| Thu, Sep 30, 2010 @ 09:00 AM

Medigap Plans: What They Cover

Posted by Medicare Made Clear

Medigap PlansMedigap, also known as Medicare Supplement Insurance, is private health insurance designed to help pay the costs that Medicare Parts A and B do not pay.

The 10 Types of Medigap Policies:

Medigap is comprised up of 10 different standardized plans and buying a policy is optional. 

Because the plans are standardized, it is easy to compare your options. It is important to compare the coverage and prices from various insurers to be sure you make the best decision.

Medicare Supplement Insurance plans include a wide range of coverage, from hospital benefits to coinsurance for doctor’s office visits and/or care in a skilled nursing facility. Be sure to explore these plans in detail before selecting one. Depending on the Plan chosen, here are some of the things your Medigap policy may cover:

  • Medicare Part A Deductible
  • Medicare Part B Annual Deductible
  • Blood Transfusions (first 3 pints)
  • Hospice Care coinsurance costs
  • Preventive Care coinsurance costs

The Cost of Medigap Policies

Because Medigap policies are provided by private insurers, all plans cost a monthly out-of-pocket premium.  As a general rule, the more generous the coverage, the higher the premium you will need to pay.   

Medigap Insurance Enrollment

If you are interested in Medigap Insurance coverage, make sure to explore your options during your Open Enrollment Period. Your Medigap Open Enrollment Period starts when you turn 65 and enroll in Medicare Part B, and lasts for 6 months. You can enroll in Medicare Supplement Insurance at any time, but if you miss your open Open Enrollment Period, you’re not guaranteed coverage and may be charged higher premiums. There are certain limited situations in which you have the right to buy a policy regardless of your health, after your open enrollment period ends.

Additional Resources




The family of UnitedHealthcare® Medicare Solutions plans are insured or covered by an affiliate of UnitedHealthcare, a Medicare Advantage organization with a Medicare contract and Medicare-approved Part D Sponsor.

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