Medigap, also called Medicare Supplement Insurance, helps cover the gaps in Original Medicare (Parts A & B). These plans can help pay for out-of-pocket costs like deductibles, copayments, and coinsurance.
What Medigap Covers
- Hospital deductibles – helps pay what Part A doesn’t cover
- Coinsurance & copayments – reduces your share of costs for hospital or medical care
- Foreign travel emergency coverage – available in most plans if you travel outside the U.S.
- Additional services – depending on the plan, coverage may include Part B excess charges or skilled nursing coinsurance
Tip: Medigap does not cover prescription drugs (you’ll need Part D for that) or Medicare Advantage benefits like dental or vision.
How Medigap Works
- Medigap works with Original Medicare only, not with Medicare Advantage plans
- Each Medigap plan is standardized in Minnesota (plans A–N), so benefits are the same across insurers — only premiums differ
- You pay a monthly premium to the Medigap insurance company in addition to your Part B premium
Who Should Consider Medigap?
- People on Original Medicare who want predictable out-of-pocket costs
- Individuals who travel frequently or want extra coverage for hospital stays
- Minnesotans who want flexibility to see any doctor who accepts Medicare
Why Medigap Matters
Original Medicare covers most care, but it doesn’t cover everything. Medigap helps fill the gaps, protecting your budget from unexpected medical bills.
Next Steps in Minnesota
- Compare Medigap plans (A–N) and premiums in your county
- Review your medical needs and expected care costs
- Pair Medigap with Part D for prescription drug coverage
YourMedicareMN can help you select the right Medigap plan for your situation, explain Minnesota-specific rules, and guide you through enrollment.
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📍 Serving all of Minnesota
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