How Medigap fits into Medicare
With a Medigap policy, Original Medicare remains your primary coverage. The Medigap policy helps with certain deductibles, coinsurance, and copayments depending on the standardized plan you select.
Standardized plan letters
Most states use standardized Medigap plan letters. Benefits for the same letter are generally standardized, while premiums and underwriting practices can differ by insurer and situation.
Provider flexibility
Because Medigap works with Original Medicare, provider access is generally based on whether the provider accepts Medicare rather than a Medicare Advantage plan network.
Drug coverage is separate
Modern Medigap policies do not include outpatient prescription drug coverage. People who want drug coverage typically consider a separate Part D plan.
Medigap enrollment rights, pricing methods, availability, and underwriting rules can vary by state and by individual circumstances.