Fills the out-of-pocket gaps in Original Medicare
Medigap (Medicare Supplement) is a private policy that pays some or all of the costs Original Medicare leaves you — deductibles, copays, and coinsurance. With a Medigap plan you keep Original Medicare, can see any doctor who accepts Medicare, and get predictable costs.
Medigap plans are standardized by letter (Plan G and Plan N are the most popular), so a Plan G is the same benefits at every carrier — only the price and service differ. They shine on freedom and predictability: any Medicare-accepting doctor nationwide, no referrals, and very little (or nothing) to pay after the plan kicks in.
The best time to buy is your 6-month Medigap Open Enrollment window, which starts when you’re 65 and enrolled in Part B — during it you have guaranteed-issue rights and can’t be turned down or charged more for health reasons. Outside that window, medical underwriting can apply in most states, so timing matters.
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No. A Medigap policy only works with Original Medicare, not with a Medicare Advantage plan. You choose one path or the other, and you add Part D drug coverage with Medigap.