Medigap, also known as Medicare Supplement Insurance, helps cover the “gaps” in Original Medicare and is offered by private insurers. While Original Medicare covers many healthcare costs, it doesn’t pay for everything. A Medigap policy can help cover out-of-pocket expenses such as:
Copayments
Coinsurance
Deductibles
Medigap policies don't cover everything
Medigap policies typically do not cover:
Long-term care, such as non-skilled care in a nursing home
Vision or dental services
Hearing aids
Eyeglasses
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Nsurance plans that aren't Medigap
Some types of insurance are not considered Medigap plans. These include:
Medicare Advantage Plans (HMO, PPO, or Private Fee-for-Service Plans)
Medicare Prescription Drug Plans
Medicaid
Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)
TRICARE
Veterans’ benefits
Long-term care insurance policies
Indian Health Service, Tribal, and Urban Indian Health plans
Medigap helps pay your Part B bills
In most Medigap policies, the insurance company receives your Part B claim information directly from Medicare and pays your doctor directly. Some Medigap providers also offer this service for Part A claims.
If your Medigap insurer does not provide direct payment, ask your doctor if they “participate” in Medicare, meaning they accept assignment for all Medicare patients. If they do, your Medigap insurance company must pay the doctor directly upon request.
How Do You Enroll in Medicare Supplement?
To enroll in a Medicare Supplement (Medigap) plan, you must first be enrolled in Medicare Parts A and B. If you only sign up for Medicare Part A when you turn 65—often because you or your spouse are still working—you’ll need to contact the Social Security Administration to enroll in Part B.
Once enrolled in Medicare Parts A and B, you can apply for a Medicare Supplement plan. During the first six months of your Medicare Part B enrollment, you have a guaranteed issue right, meaning you can purchase a Medigap plan without worrying about preexisting conditions or denial of coverage.
 Email: info@medfuturax.com