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What's medicare supplement insurance (medigap) Some other updates on this website may be delayed or limited. In original medicare, you generally pay some of the costs for approved services

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You must pay for medicare‑covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,870 in 2025 before your policy pays anything. Medigap medicare supplement insurance sold by private insurance companies to fill “gaps” in original medicare coverage. Medicare supplement insurance (medigap) is extra insurance you can buy from a private insurance company to help pay your share of costs in original medicare.

A medigap policy is a supplement to original medicare coverage

When you’re getting started with medicare, you can either buy medigap or enroll in a medicare advantage plan, but you can’t have both. Health insurance companies must clearly identify a medigap policy as medicare supplement insurance. your best time to buy a policy is during your medigap open enrollment period Follow these steps when you’re ready to buy a medigap policy: