Original Medicare (Part A and Part B) covers essential hospital and medical services, but it doesn't cover everything. Out-of-pocket costs such as deductibles, copayments, and the standard 20% coinsurance under Part B can add up quickly with no legal spending cap.

Medicare Supplement Insurance, commonly called Medigap, is private insurance designed to work alongside Original Medicare. It directly covers those "gaps" in out-of-pocket costs so you can budget for healthcare with certainty.

Freedom to Choose Any Doctor: There are no HMO or PPO networks. You can visit any physician, specialist, or hospital across the United States that accepts Medicare—no referrals required.

Predictable Out-of-Pocket Expenses: Depending on the plan you select, your hospital copays and outpatient coinsurance are covered, virtually eliminating surprise bills.
Guaranteed Renewable: As long as you pay your monthly premiums on time, your policy cannot be canceled due to health changes or new diagnoses.

Nationwide Portability: Medigap travels with you anywhere in the country, making it an ideal solution for frequent travelers and retirees living between states.

Medigap plans are designed specifically to bridge medical cost gaps. They do not cover:

• Outpatient retail prescription drugs (you will need a standalone Part D plan)
• Routine dental, vision, or hearing care
• Long-term custodial care or nursing home stays

Your best opportunity to buy a Medigap policy is during your Medigap Open Enrollment Period:

• This is a one-time, 6-month window that begins the month you turn 65 and are enrolled in Medicare Part B.
• During this window, you have guaranteed issue rights. Insurance companies cannot deny you a policy, delay coverage, or charge you higher rates due to past or current health conditions.
• If you apply outside this period, insurers in most states can require medical underwriting and may charge higher rates or decline coverage based on your health history.