1. 115 POINTS
    Albert McWilliams Sr.
    Insurance Advisor, The Albert McWilliams Group, United States
    A Medigap policy plugs the gaps that Medicare A & B doesn't cover. A person can get a Medigap plan part of what Medicare does not may or they can get a Medigap plan to cover all of what Medicare does not pay. The cost varies depending on which plan a person chooses.
    Answered on May 7, 2013
  2. 20 POINTS
    Dan Bishop
    Retirement Insurance Specialist, Health Benefits USA,

    A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

    Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

    A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

    Medigap policies don't cover everything!

    Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

    Answered on May 8, 2013
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