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Medigap Makes for More Comprehensive InsuranceMany people with Medicare insurance also buy Medigap insurance to supplement their coverage, which is a great option for inexpensive and comprehensive insurance. Traditional Medicare pays for doctor costs and hospital costs, as well as deductibles, fees and charges for home recovery, prescriptions and other services. Medigap literally fills in the gaps for what the traditional plan does not cover, so the insured person can have the most comprehensive plan possible for their money. In order to qualify for Medigap health insurance, an individual must be paying for Part A and Part B insurance plans, totaling at least $93.50 per month. There are federal and state laws set up to protect consumers who purchase Medigap insurance, though, so companies that provide the insurance must be very straightforward about what they offer. Medigap is intended as a supplement to traditional Medicare coverage, not as a replacement. There are also stipulations about the health of those who qualify and what they are charged as a result.
Anyone who qualifies for Medigap health insurance can purchase a policy in addition to their Part A and Part B coverage, but their spouses must purchase a separate policy. There are many benefits to those who qualify for and purchase a Medigap insurance policy, though, so applying for it is worth a second thought.
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