Medigap refers to the Medicare Supplement insurance that pays for the Medicare healthcare parts A and B costs that is uncovered. Normally, you must have Medicare Part A and B so that you buy a Medigap policy. However, you cannot obtain Medigap policies with Medicare Advantage. The insurance of Medigap is provided by the private health insurance companies.  A Medigap policy abides to the Federal and State laws. There are different standards within Medigap policy in most states in the health plans labelled between A to N.


Enrolment and eligibility requirements


Medicare applicants eligible for a Medigap policy should enroll in Medicare Part A and Part B so that they receive Medicare supplement health benefits. Medigap policies are of 10 types that is an additional premium monthly on top of Medicare Part B. However, you can discuss the options of your Medicare Supplement insurance plan with one of the licensed sales agents, who can surely sort through the plan choices and fit your needs best.


Medicare supplement plans are not as group or family plans. If you are a married couple, you and your spouse are treated as individuals and so there is a need to get a separate Medicare Supplement insurance policy to get benefits.


Tips to buy from an insurance company


If you are keen in buying Medicare supplement plans from an insurance company, it is mandatory that you understand the rating system of the insurance company.


  • This information will give you an insight of whether you receive the best value coverage for the insurance purchased.
  • You can also consult its agent or the insurance company and learn about value-added services or discounts offered so that the costs are reduced.
  • Sometimes the insurance companies offer discounts to couples if they are non-smokers, choose two plans or individuals agree to pay premiums through e-transfers.


Thus shopping around wisely after comparing premiums is beneficial, wherever you live.  Shop for plans here

When to apply for Medicare Supplement plan


Applying for Medicare Supplement plan is based on the time period as this also may affect the costs. Applying during open enrollment period for the Medicare Supplement plans means you are not turned down based on your health condition from insurance coverage. This is a period that begins on the month you are 65 years and are enrolled in Part B Medicare and this feature is available for six months.  Applying during this period helps as there is no medical underwriting that result in paying high premium, in case you have health conditions.

Medicare Supplement Plans, Understand When to apply to benefit