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How do Medigap plans help me pay for what Medicare doesn't cover?

ANSWER

Medigap plans. Just like it sounds, a Medigap plan will fill some of the gaps in coverage with Original Medicare. Medigap plans help:

What don't Medigap policies cover? Most don't pay for long-term care, dental care, hearing aids, eye exams, or eyeglasses.

  • Pay copays and coinsurance.
  • Lower the deductible, which is the amount you have to pay out-of-pocket before Medicare pays toward your care.

SOURCES:

Centers for Medicare and Medicaid Services: "What Medicare Covers," "What's not covered by Part A & Part B?" "Supplements & other insurance," "What's Medicare supplement (Medigap) insurance?" "Your Medicare Coverage: Hospital Care," "Medicare Coverage of Durable Medical Equipment and Other Devices," "Decide how to get your Medicare," "Medicare Advantage Plans," "Catastrophic coverage," "How do Medicare Advantage Plans work?" "Medicare & You," "How to Get Drug Coverage," "Save on Drug Costs," "Medicaid," "Medicare Advantage Plans Cover All Medicare Services," "Medicare Savings Programs,"  "What is Long-term Care?" "Help with Medical and Drug Costs," "Part B Costs," "Prescription drugs (outpatient) limited coverage," "Medicare Prescription Drug Coverage(Part D)."

Social Security Administration: "Income and resource requirements for the Extra Help with prescription drug costs."

Kaiser Family Foundation: "Medigap: Spotlight on Enrollment, Premiums and Recent Trends," "Medicare Advantage."

Families USA: "Stand Up for Health Care: Filling the Financial Gaps in Medicare Coverage."

Marc Steinberg, deputy director of health policy, Families USA.

Medicare Interactive: "Can I Have Both Medicare and Veteran's Benefits?"

AARP: "10 Misconceptions about Long-Term Care Insurance."

NIH Senior Health: "Long-Term Care."

Reviewed by Sarah Goodell on June 01, 2018

SOURCES:

Centers for Medicare and Medicaid Services: "What Medicare Covers," "What's not covered by Part A & Part B?" "Supplements & other insurance," "What's Medicare supplement (Medigap) insurance?" "Your Medicare Coverage: Hospital Care," "Medicare Coverage of Durable Medical Equipment and Other Devices," "Decide how to get your Medicare," "Medicare Advantage Plans," "Catastrophic coverage," "How do Medicare Advantage Plans work?" "Medicare & You," "How to Get Drug Coverage," "Save on Drug Costs," "Medicaid," "Medicare Advantage Plans Cover All Medicare Services," "Medicare Savings Programs,"  "What is Long-term Care?" "Help with Medical and Drug Costs," "Part B Costs," "Prescription drugs (outpatient) limited coverage," "Medicare Prescription Drug Coverage(Part D)."

Social Security Administration: "Income and resource requirements for the Extra Help with prescription drug costs."

Kaiser Family Foundation: "Medigap: Spotlight on Enrollment, Premiums and Recent Trends," "Medicare Advantage."

Families USA: "Stand Up for Health Care: Filling the Financial Gaps in Medicare Coverage."

Marc Steinberg, deputy director of health policy, Families USA.

Medicare Interactive: "Can I Have Both Medicare and Veteran's Benefits?"

AARP: "10 Misconceptions about Long-Term Care Insurance."

NIH Senior Health: "Long-Term Care."

Reviewed by Sarah Goodell on June 01, 2018

NEXT QUESTION:

How does Medicare Advantage (Part C) help me pay for what Medicare does not cover?

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