Question 1

What is Medigap (Medicare Supplement Insurance) insurance?

Accepted Answer

Medigap policies are sold by private insurers to fill the "gaps" in Original Medicare coverage, helping pay for copayments, coinsurance, and deductibles.

Question 2

How much does Medigap insurance cost?

Accepted Answer

The average Medigap premium is $220/month for individuals. The average deductible is $0. Copays average $0 (most plans cover copays).

Question 3

Who should get Medigap insurance?

Accepted Answer

Medicare beneficiaries who want predictable costs, minimal copays, and the freedom to see any doctor who accepts Medicare.

Question 4

Does Medigap require referrals to see specialists?

Accepted Answer

No, Medigap plans do not require referrals to see specialists. You can make appointments with any in-network specialist directly without needing your PCP's approval.

Question 5

Does Medigap cover out-of-network care?

Accepted Answer

Yes, Medigap plans provide some coverage for out-of-network providers, though you'll typically pay significantly more than in-network rates. Out-of-network care usually involves higher deductibles, higher coinsurance, and may not count toward your in-network out-of-pocket maximum.

Medigap Insurance: Medicare Supplement Insurance

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