Pays some of the costs that Part A (hospital care) and Part B (doctor and outpatient care) don't cover. It fills the gaps.

How does it work?

Private companies sell individual insurance policies that fill the gaps that Original Medicare Parts A and B don't cover, like copayments, coinsurance, and deductibles.

What will it cost?

• Medigap requires a monthly premium. Premiums vary depending on the coverage you choose.
• Approved Medicare Supplement plans and prices (PDF, 156KB)

What does it cover?

• Medicare Supplement covered services (PDF, 175KB)

Important:  These plans do not include prescription drug coverage.

How can I enroll?

• You must be enrolled in Original Medicare, Parts A and B, to qualify for Medicare Supplement plans.
• The best time to enroll in a Medigap plan is during the first six months in which you are age 65 or older and also enrolled in Part B.
• You can enroll in Medicare Supplement plans by contacting the private insurance company directly. See Approved Medicare Supplement plans (PDF, 156KB) for contact information.

Updated 03/13/2013