So you’re almost 65 and wondering about those Medicare Supplement plans (also known as Medigap) you have heard so much about. We’ve listed some basic information to help with your first step in learning about Medigap. If you’re mapping out everything to do as you approach 65, our Turning 65 Medicare enrollment checklist pairs well with this guide.

The first thing you must know is that you do not need to be 65 to qualify for Medicare. People under 65 with certain disabilities or end-stage renal disease (ESRD) can also qualify for Medicare. Once on Medicare, you can purchase a Medigap plan at an additional cost.

Get a Medigap quote here

Medigap Basics Info

  • You must be enrolled in both Medicare Part A & B to enroll in a Medigap plan.
  • Medigap typically only pays health care costs if those costs are approved by Medicare*.
  • Medigap policyholders can see any doctor or use any hospital nationwide that accepts Medicare assignment.
  • All Medigap plans with the same plan “letter” offer the same exact core health benefits. So a Plan G offered by Blue Shield will have the same core benefits as a Plan G by Cigna. (See our comparison of Plan G, Plan N, and High-Deductible G.)
  • The main difference between Medigap plans of the same letter is the monthly cost (called a premium).
  • Enroll during your initial Medigap enrollment period to guarantee issuance regardless of preexisting conditions.
  • If you miss your open enrollment, you may be eligible for Medigap special enrollment**
  • You typically cannot be enrolled in a Medicare Advantage plan and Medigap at the same time. (Source)

*Original Medicare doesn’t cover foreign emergency healthcare except in certain circumstances, however plans like Medigap G and N offer foreign travel emergency coverage if you experience your emergency within the first 60 days of your trip.

** If your Medigap Open Enrollment period is behind you, your best bet for switching plans is through the Birthday Rule or a similar state law. Without one, the process may involve answering health questions, and there’s no guarantee of approval. See where you stand with our Medigap Underwriting Checker, or reach out at 800-930-7956. We’re always happy to help for free.

What does Medigap Cover?

Medigap policies cover an additional 365 days of hospital coverage after your Original Medicare hospital benefits are used up. These plans can also cover Original Medicare’s coinsurance, deductibles, copays, and excess charges. Some policies even include the SilverSneakers program, where members get access to participating gyms.

What doesn’t Medigap Cover?

Medigap core benefits do not cover senior prescription coverage, dental, or vision. There are some Medigap plans that offer additional coverage for hearing and vision but they are not part of the core benefits.

Click here to get a Medigap quote, call 800-930-7956, or contact Senior65.com.