Medicare Supplements (Medigap) Explained

How to fill gaps in your coverage and avoid nasty billing surprises.

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Filling the Gaps in Original Medicare

Even with Original Medicare (Parts A & B), you’re still responsible for deductibles, coinsurance, and copayments. Over time, those costs can add up; especially if you have frequent doctor visits, hospital stays, or ongoing care needs.


That’s where Medicare Supplement Insurance (commonly called Medigap) comes in. These private insurance plans help cover the “gaps” left by Medicare, giving you more predictable costs and peace of mind.

What Medigap Covers

Medigap policies are designed to complement your Original Medicare coverage, not replace it.

Depending on which plan you choose, your Medigap policy may help pay for:


  • Part A hospital coinsurance and additional days (up to 365 days after Medicare benefits are used up)
  • Part A and B deductibles
  • Part B coinsurance or copayments
  • Skilled nursing facility coinsurance
  • Foreign travel emergency care (up to plan limits)
  • Excess charges (if your doctor charges more than Medicare’s approved amount)

What Medigap Doesn’t Cover

Typically, Medigap plans don’t include:


  • Prescription drugs (you’ll need a separate Part D plan)
  • Dental, vision, or hearing coverage
  • Long-term care or private-duty nursing
  • Routine foot care, eyeglasses, or hearing aids


If you want those benefits, you can pair your Medigap with standalone dental/vision plans or wellness coverage.

How is Medigap Different From Medicare Advantage?

Choosing between Medigap and Medicare Advantage (Part C) often comes down to lifestyle and cost preferences.

Medigap vs. Medicare Advantage

Feature Medigap Medicare Advantage
Provider Choice Any doctor or hospital that accepts Medicare Must use plan’s provider network
Drug Coverage Separate Part D plan required Usually included
Out-of-Pocket Maximum None (but Medigap limits your costs) Has a yearly max ($9,350 in 2025)
Upfront Premiums Higher Lower (sometimes $0)
Out-of-Pocket Costs per Visit Minimal or none Copays and coinsurance vary
Extras (dental, vision, gym) Usually not included Often included