How Medigap Works
Medigap and Original Medicare
Learn how Medicare Supplement Insurance works with Original Medicare.
01
Original Medicare pays first
Part A and Part B pay their share of the Medicare-approved amount for covered health care costs.
02
Medigap pays its share
Your Medigap policy then pays its share of the remaining approved costs, depending on your plan letter.
03
You pay what remains
Any deductibles, copayments or costs not covered by your plan, plus your monthly premium.
Generally not covered by Medigap
Long-term care, vision or dental care, hearing aids, eyeglasses and private-duty nursing. Medigap policies sold today don't include prescription drug coverage; that comes from a separate Medicare Part D plan.