Do I Need Medigap If I Already Have Medicare Parts A, B, and D?

You may be wondering, “Do I need Medigap if I have Medicare A, B and D?” After all, you’ve checked the boxes—hospital coverage, doctor visits, and even prescriptions. But Medicare doesn’t cover everything, and understanding where those gaps are can help you make a smarter decision.

Why Pay for Medigap if I have Medicare A, B, and D?

Even with Medicare Parts A and B (known as Original Medicare), there are still some out-of-pocket costs that can catch you off guard. You’ll be responsible for deductibles and coinsurance which can add up. For example, in 2025, the Part A hospital deductible is $1,676 per benefit period—and that can happen more than once a year. Part B covers 80% of doctor visits and outpatient care, but you’re responsible for the remaining 20% —with no cap. (Source: Medicare.gov)

These gaps are exactly what Medigap was designed to cover. Without it, you’re exposed to potentially large bills, especially if you need frequent or unexpected care. Looking for more specifics? Check out our full article where we break down the latest Medicare costs.

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Do I Really Need Medigap If I’m Already Enrolled in Part D?

If you already have Medicare Part D to help with prescriptions, you’re definitely on the right track. Part D is great for helping with the cost of medications, but it doesn’t touch your hospital or doctor bills. If you have a chronic condition, frequent doctor visits, or simply want to avoid unpredictable expenses, Medigap can make a big difference.

Think of it like this: Part A, Part B, and Part D each serve a purpose—but Medigap is the insurance product that makes Part A and Part B work better. Medigap will have no impact on your Medicare Part D coverage.

If you’re wondering whether there’s a Medigap plan that covers prescription drugs, we recommend reading our article: “What Medigap plans cover prescription drugs?“. Spoiler Alert: There isn’t a Medigap plan available now that would cover prescription drugs at the pharmacy.

How Medigap Works With Parts A, B, and D

Medigap works alongside Medicare Parts A and B by covering expenses like coinsurance, deductibles, and even foreign emergency care in some plans. It does not replace Parts A or B—you must keep both to be eligible. Then you add a separate Part D plan to help with prescriptions to make a complete package.

Medicare Part A, Medicare Part B, Medigap and Medicare Part D form a strong combination that gives you freedom to see any doctor that accepts Medicare, limits your out-of-pocket risk and covers prescription drugs from the pharmacy. Don’t have Medigap or Part D yet? Grab a Free Instant Quote Now.

👉Got questions or just want to talk things through? Give us a call at 800-930-7956 or drop a comment below. One of our team members will walk you through your options with zero pressure and no cost—it’s what we’re here for at Senior65.com.

Is Medigap Worth It for Healthy Seniors?

Even if you’re healthy now, Medigap can still be worth considering. Why? Because you can’t predict the future—and enrolling in Medigap while you’re healthy ensures you can get coverage without health questions.

Many healthy seniors choose a lower-cost plan like Medigap Plan N to save on premiums while still having that financial safety net. It’s like insurance for your insurance. If you want more details, we recommend reading: How much do seniors typically pay for medical cost not covered by Medicare?

How Much Does Medigap Cost in 2025?

That is the $100,000 question. Medigap prices vary widely based on your state, your age, gender, tobacco use, and which plan you choose. For example, Plan G is usually more expensive than Plan N, but it doesn’t require copays.

👉 To get an accurate price for your area, try our Instant Medigap Quote Tool. It’s free, private, and shows real pricing from top insurers in your ZIP code—no email required.

Also, if you’d like to know the specific rules in your state, check out our interactive map with state-by-state Medigap guides:

When Can You Enroll in Medigap Without Health Questions?

The best time to enroll in Medigap is during your Medigap Open Enrollment Period, which lasts for six months starting the month you’re both 65 and enrolled in Medicare Part B. During this time, you can buy any Medigap plan sold in your state without health questions or medical underwriting. If you miss this window, you might still qualify for Guaranteed Issue Rights in special situations—like if you lose employer coverage or move out of your Medicare Advantage plan’s service area.

Missed your Medigap Open Enrollment Period? You’re not out of luck just yet—there may still be ways to get covered, especially if you live in a state with more flexible switching rules. If not, applying could mean answering health questions (yep, that’s called medical underwriting). Not sure where you stand? Try our free Instant Medigap Underwriting Checker to get a sense of your chances—or just give us a call at 800-930-7956. We’re happy to walk you through it, no pressure.

Need Help Deciding? Here’s How to Get Personalized Help

Choosing between Medigap, Medicare Advantage, or sticking with just Parts A, B, and D can feel overwhelming—but you don’t have to figure it out alone.

Call us at 800-930-7956 or leave a comment below. Our team will walk you through your options—no pressure, and no charge. We’ll even help you apply when you’re ready. And remember, no one can sell the same Medigap plan for less than we can.