Medicare Supplement (Medigap)

A Medigap (Medicare Supplement) plan is administered through private insurance companies, such as Regence. It provides coverage for some health care costs that Original Medicare alone doesn't cover, such as copays, deductibles or coinsurance.

You must be enrolled in Medicare Part A and Part B before you can enroll in a Medigap plan.

Medigap plans do not include prescription drug coverage. However, you can purchase stand-alone Medicare Part D coverage.

Medigap plans are not tied to networks; if you travel and want to see providers in different cities, Medigap may be a good choice for you.

If you purchase a Medigap plan, you pay a monthly premium. Many Medigap plans have lower out-of-pocket costs than other Medicare options.

The best time to buy Medicare Supplement is when you're first eligible. Coverage can begin on the same day your Part B coverage starts. You're guaranteed acceptance on Medicare Supplement within the first six months of your Part B effective date, regardless of any pre-existing conditions. If you sign up for Medicare Supplement more than six months after your Part B effective date, you may not qualify for the plan you want or have to pay higher premiums.