Senior Health Insurance Information Program (SHIIP)
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Helping Pay for Coverage Uncovered by Medicare
The Original Medicare Plan pays for many health care services and supplies, but it doesn't pay all of your health care costs. There are costs you must pay like coinsurance, co-payments, and deductibles. These costs are sometimes called "gaps" in Medicare coverage.
A Medigap policy is a health insurance policy sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage. The companies must follow Federal and state laws that protect people with Medicare.
New Medigap policies sold must be one of 12 standardized plans, A through L. The standardized Medigap policies must provide the same benefits, but the costs may differ.Insurance companies are not required to sell Medigap policies for all 12 plans.
When you buy a Medigap policy, you pay a premium to the Medigap insurance company. As long as your pay your Medicap premium; your policy will be automatically renewed each year. You must still pay your monthly Medicare Part B premium.