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Medigap costs

Medicare doesn't pay any of the costs for you to get a Medigap policy. You have to pay the premiums for a Medigap policy.

Medigap helps pay your Part B bills 

In most Medigap policies, when you sign the Medigap insurance contract you agree to have the Medigap insurance company get your Part B claim information directly from Medicare, and then they pay the doctor directly. Some Medigap insurance companies also provide this service for Part A claims.

If your Medigap insurance company doesn't provide this service, ask your doctors if they "participate" in Medicare. This means that they "accept assignment" for all Medicare patients. If your doctor participates, the Medigap insurance company is required to pay the doctor directly if you request.

Compare the costs of Medigap plans 

Insurance companies may charge different premiums for the same exact policy. As you shop for a policy, be sure you're comparing the same policy (for example, compare Plan A from one company with Plan A from another company).

In some states, you may be able to buy another type of Medigap policy called Medicare SELECT. If you buy a Medigap SELECT policy, you have rights to change your mind within 12 months and switch to a standard Medigap policy.

Note

For more information about how Medigap plans are priced or rated, see costs of Medigap policies.