Original Medicare was never designed to cover everything. Medigap — also called Medicare Supplement insurance — fills those gaps. Questions? Call 1-888-781-6026.
What Is Medigap?
Medigap is private health insurance that supplements Original Medicare. It pays for gaps including: Part A coinsurance and hospital costs, Part B coinsurance, the Part A deductible ($1,676 in 2025), skilled nursing facility coinsurance, Part B excess charges, and foreign travel emergency care.
How Does Medigap Work?
- You receive care from any Medicare-accepted provider in the US
- Medicare pays its portion first (typically 80%)
- Your Medigap plan pays its portion of the remaining costs
- You may owe little to nothing depending on your plan
You can see any doctor or specialist nationwide who accepts Medicare — no networks, no referrals.
What Medigap Does NOT Cover
- Prescription drugs (need a separate Part D plan)
- Dental, vision, or hearing care
- Long-term care
When to Enroll
Your 6-month Medigap Open Enrollment Period starts when you turn 65 and enroll in Part B. Insurers must sell you any plan at the best available rate — no health questions. Outside this window, medical underwriting applies.
How Much Does Medigap Cost?
- Plan G: $130-$200+/month depending on state and carrier
- Plan N: $100-$160+/month depending on state and carrier
Since plan benefits are identical across insurers, finding the lowest price is everything. We compare multiple carriers for you — free.
Ready to find the right Medigap plan? Call 1-888-781-6026 or visit www.emedicareguide.com/.