Medigap Coverage
Health Insurance for Individuals over age 65

Medigap insurance, also called Medicare supplement insurance, is a form of health insurance, and is one of the many options seniors have for supplemental insurance

Medigap serves as a "secondary insurance" (it pays the portion of health care expenses that Medicare doesn't pay). Private insurance companies like Blue Cross Blue Shield, and AARP sell Medigap policies. Health Insurance companies sell the same ten standardized Medigap plans (Plans A-J). Each plan A through J has a different set of benefits. Plan A covers only the basic (core) benefits. These basic benefits are included in all the Plans A through J. Plan J offers the most benefits. If you live in Massachusetts, Minnesota, or Wisconsin, different types of standardized Medigap plans are sold in your state.

When you buy a Medigap policy, you pay a premium to the insurance company. This premium is different than the Medicare Part B premium you must also pay. As long as you pay your premium, your policy is guaranteed renewable, which means it is automatically renewed each year. Your coverage will continue year after year as long as you pay your premium. If you buy a Medigap policy, it only covers your health care costs. It doesn't cover any health care costs for your spouse.

The top Health Insurance carriers that offer Medicare coverage include Blue Cross Blue Shield, and AARP