What Is Medigap (Medicare Supplement Insurance)?

Medigap is private insurance designed to help cover out-of-pocket costs that Original Medicare (Parts A and B) does not pay, such as copayments, coinsurance, and deductibles. These plans are offered by private insurers but are standardized and regulated by Medicare.

How does Medigap work?

• Works alongside Original Medicare: Medigap only supplements Medicare coverage—it does not replace it.
• Covers gaps in costs: Depending on the plan, it may help cover expenses like hospital stays, skilled nursing care, and foreign travel emergencies.
• Requires a monthly premium: Patients pay a premium to the private insurer in addition to their Medicare Part B premium.

What Medigap doesn’t cover

• Prescription drugs: Medigap plans do not include drug coverage—you need a separate Medicare Part D plan for prescriptions.
• Long-term care: Assisted living, custodial care, and private-duty nursing are not covered.
• Dental, vision, and hearing aids: Most plans do not include these benefits.

How Solace can help

A Solace advocate can help compare Medigap plans, explain coverage options, and determine if a supplemental plan fits your healthcare needs. If you have high out-of-pocket Medicare costs, an advocate can also assist in finding financial assistance programs that may help lower expenses.

What to do next

Wondering if Medigap is right for you? A Solace advocate can help you explore your options and understand your coverage. Find an advocate today.