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How Medicare Plans Work

Medigap Policies

Medigap policies are health insurance policies sold by private insurance companies to fill "gaps" in Original Medicare Plan coverage. In general, with a Medigap policy:

  • You get help paying for some of the health care costs that the Original Medicare Plan doesn’t cover.
  • You also get benefits not covered by Original Medicare, like emergency health care outside the United States.
  • You pay a monthly premium to the private health insurance company that sells you the policy. Medicare and the Medigap policy both pay their shares of covered health care costs.