Medigap Supplemental Insurance

WebMD Medical Reference

Medigap is extra health insurance you can buy from a private company. A Medigap policy helps pay for health care costs not covered by the Original Medicare plan. Medigap plans can reduce out-of-pocket costs for many people.

What Medigap Plans Cover

There are 12 kinds of Medigap plans. Each is given a letter from A to L.

Every Medigap plan from A-J includes "core" benefits. These benefits help pay for:

  • The Medicare Part A co-payment for days 61-150 of a hospital stay.
  • Up to 365 days in the hospital after all your Medicare hospital benefits have been used.
  • Co-payments for Medicare Part B services after the $124 deductible.
  • The first three pints of blood if you need a transfusion.

Medigap plan (plan A) covers only these things. Plans B-J cover more, including:

  • Prescription drugs.
  • Preventive services (such as routine checkups).
  • Part B excess charges (the difference between what a doctor bills you and Medicare's approved amount).
  • At-home recovery.
  • Co-payment for skilled nursing care.
  • Emergency care outside the United States.
  • Medicare deductibles.

This chart shows what Medigap plans A-J cover:

Coverage A B C D E F G H I J
Core Benefits X X X X X X X X X X
Part A deductible   X X X X X X X X X
Part B deductible     X     X       X
Skilled nursing care co-payment     X X X X X X X X
Foreign travel emergency care     X X X X X X X X
Part B excess charges (100%)           X     X X
Part B excess charges (80%)             X      
At-home recovery       X     X   X X
Preventive services         X         X
Prescription drugs (up to $1,250)               X X  
Prescription drugs (up to $3,000.00)                   X

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