Medigap and Supplemental Policies

Medigap

Medigap or Supplemental plans helps fill "gaps" in Original Medicare because Medicare does not pay for all health care services or medical supplies. 

Medigap pans help pay some of the remaining health care costs, like yearly Part A deductibles, Coinsurance and Copayments. You pay the monthly premium and depending on the added riders on the policy, you may pay zero for all health costs or you may pay for some additional costs. 

Part D prescription coverage is not included in Medigap plans, so you will have to have a stand-alone Part D plan. 

Plan benefits do not change if you pay the monthly premium. Medigap plans allow you to relocate to another state and keep the plan benefits. 

Cost

Cost plans are only offered in certain counties in Minnesota, generally outside the metro Twin Cities counties. Cost plans have defined networks, clinics and care facilities. 

Some plans offer Part D prescription coverage and others allow you to have a stand-alone Part D plan.