Medigap coverage is health insurance sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage. It is also known as Medicare Supplement Insurance. Medigap policies help pay for some of the healthcare costs that Original Medicare doesnt cover, such as copayments, coinsurance, and deductibles. Some Medigap plans also offer coverage for services that Original Medicare doesnt cover, like medical care when you travel outside the U.S. .

If you have Original Medicare and you buy a Medigap plan, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap plan pays its share. It is important to note that Medigap policies only cover one person, so if you and your spouse both want Medigap coverage, youll each have to buy separate policies.

Medigap policies are sold by private insurance companies, and you must have Original Medicare - both Part A (Hospital Insurance) and Part B (Medical Insurance) - to buy a Medigap policy. You will have to pay a monthly premium for your Medigap plan in addition to the monthly Part B premium you pay to Medicare.

It is also important to note that Medigap plans generally dont cover everything. For example, they dont cover long-term care (like in a nursing home), vision or dental care, hearing aids, eyeglasses, or private-duty nursing. However, you can enroll in a separate Medicare drug plan (Part D) if you want prescription drug coverage.

In summary, Medigap coverage is used to help pay for some of the healthcare costs that Original Medicare doesnt cover, such as copayments, coinsurance, and deductibles. It is sold by private insurance companies and is meant to supplement Original Medicare coverage.