A Medigap policy provides supplemental insurance through a private insurance company. The policy helps cover costs not covered by Original Medicare (like copayments, deductibles, etc). Medigap plans require enrollment in Original Medicare and can be used with any health care provider that accepts Medicare.
Medigap policies offer standardized benefits across 11 plan options, with varying coverage and costs. Therefore, the features of specific plans do not change based on insurance company.
Medicare Supplement Select (Medigap Select) Plans
Typical Medigap plans are accepted by any health care provider that accepts Original Medicare. Medigap Select plans, however, have a network of health care providers, similar to most Medicare Advantage plans. Most Select plans only have hospital networks.