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Medigap is private insurance that helps pay costs Original Medicare does not cover: copayments, coinsurance, and deductibles. You must have Medicare Part A and B to buy Medigap. Policies are standardized (Plans A-N) with the same benefits regardless of which company sells them.

Medigap covers: Part A coinsurance and hospital costs, Part B coinsurance or copayments, blood transfusions (first 3 pints), Part A hospice care coinsurance, and skilled nursing facility care coinsurance. Some plans cover foreign travel emergency care.

Premiums vary by plan type, age, location, and insurer. Plan G (most comprehensive for new enrollees) typically costs $100-$300/month. Higher coverage plans cost more. You also pay the Medicare Part B premium ($174.70/month in 2024). Compare multiple insurers for the same plan letter.

Enroll during your 6-month Medigap Open Enrollment period starting the month you turn 65 and enroll in Part B. During this time, you cannot be denied coverage or charged more for pre-existing conditions. After this period, insurers can use medical underwriting to set prices or deny coverage.

Medigap works with Original Medicare and lets you see any provider that accepts Medicare. Medicare Advantage replaces Original Medicare with a private plan (HMO/PPO) that may have network restrictions. You cannot have both Medigap and Medicare Advantage simultaneously.