Medigap policies are a form of Medicare supplemental insurance sold by commercial companies. You can choose 1 of 10 standardized plans A-N (plans E, H, I and J were eliminated due to some changes in Federal law) that pay for part or all of Medicare’s coinsurance and deductibles. Some plans also cover health care costs that Medicare doesn’t cover, such as emergency medical care in foreign countries, and excess charges from a provider who does not accept assignment. In addition, plan F offers a high-deductible option.
Medigap policies also do not restrict you to a network of providers and facilities, like some Medicare Advantage (MA) plans do. If you have a Medigap policy, you can see any doctor or use any hospital that accepts Medicare.
If you are encrolled in a Medicare Advantage plan, you do not need a Medigap policy. Medigap benefits only work with Original Medicare.
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