Medigap helps fill the financial gaps.
Medigap does not generally add services Original Medicare does not cover. It helps pay certain costs that Original Medicare leaves to you—such as deductibles, copayments, and coinsurance.
Same letter, same benefits. Not the same price.
That comparison is the job. Tell me which plan letter you have, or are looking at, and what you pay. I’ll show you what the same coverage costs elsewhere.
Financial gaps, not service gaps.
You pay an additional monthly premium for a Medigap policy. In return, the policy helps with the Medicare-covered costs specified in that plan.
Medigap works with Original Medicare, not with Medicare Advantage. And routine dental, vision, hearing aids, and long-term care aren’t covered by Original Medicare in the first place — so no Medigap plan fills those gaps. Those need separate coverage.
Think of Medigap as help with your share of Medicare-covered bills—not as a way to make every excluded service covered.
For dental, vision, hearing and other separate needs, see Extra Protection.
The letter determines the benefits.
Standardized benefits
In most states, every policy with the same letter provides the same basic benefits, regardless of the company selling it.
Different premiums
Companies can charge different premiums for the same lettered benefits, making comparison important.
Eligibility matters
Plans C and F have eligibility restrictions tied to whether you were eligible for Medicare before January 1, 2020.
Timing matters
Your Medigap Open Enrollment Period and guaranteed-issue rights can affect your choices and whether medical underwriting is allowed.
Official comparison: Medicare.gov — Compare Medigap Plan Benefits
What we’ll look at together
Those four facts turn into four practical questions about you.
- Which letter fits the way you actually use care?
- What would that same letter cost from another company?
- Are you eligible for Plan C or F, or not?
- Does your timing let you buy without health questions?
Thinking about leaving a Medicare Advantage plan for Medigap? Timing and underwriting matter here. Ask before you cancel anything.
Call (469) 867-4390Not sure which Medigap plan fits you?
That’s exactly what I’m here for. Let’s talk about it.
Roderick BondsLicensed agent, on Medicare himself