How Medigap Works
A Medigap policy pays secondary benefits for covered services under Original Medicare. It does not replace Part A or Part B. Instead, it helps with the member's share of approved costs, which can make expenses more predictable for people who want broad provider access.
Ready to compare Medicare options?
Get free quotes — no obligation, no cost.
Get Free Quotes
What Medigap Usually Covers
- ✓ Some Part A and Part B cost-sharing amounts.
- ✓ Certain deductibles, coinsurance, and copayments depending on the plan design.
- ✓ Potential emergency foreign travel coverage on some plan types.
What Medigap Does Not Do
- ✓ It does not work as a substitute for Medicare Advantage.
- ✓ It generally does not include prescription drug coverage; Part D is purchased separately.
- ✓ It does not typically cover routine dental, vision, or hearing services.