Original Medicare covers many of your health care needs, but it doesn’t cover everything. Even with Parts A and B, there will still be out-of-pocket costs, including copays, coinsurances and deductibles. To help cover these costs, many people enroll in an additional plan – called Medigap or Medicare supplement policies – offered by Medicare-approved private insurance companies.

Medigap – Medicare Supplemental Insurance Plans

  • Available through private insurance companies, but the government defines the standards.
  • Covers most of the expenses not covered by Parts A and B. (Also called “Medicare supplement policies.”)
  • Prices vary widely by company, even for identical coverage.
  • You cannot have a Medigap policy if you have a Medicare Advantage plan.

Please note: Independent Health does not currently offer MediGap policies.