2016 Medicare Supplement (Medigap) Policies for Ages 65 and Over
This information is based on 2015 Medigap Policies Information will be updated when it’s available
Check with plan providers for current premiums
A Medicare Supplement Insurance (Medigap) policy, 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 than a Medicare Advantage Plan. Those plans are ways to get Medicare benefits including prescription drugs, while a Medigap policy only supplements your Original Medicare benefits. A Medigap policy does not include prescription drug coverage, but members can have a separate drug plan if it is purchased within the Open or a Special Enrollment period.
Click here to read the California Health Advocates Fact Sheet on Medigap Policies with California-specific information about eligibility, when you can enroll, options, and limitations.
There are separate Medigap policies for those 65 and older and those who are under 65 and are eligible to purchase a Medigap policy.
HICAP provides free and objective counseling to Del Norte & Humboldt County Medicare beneficiaries and their families who need assistance with Medicare. No products or services are sold or endorsed. Area 1 Agency on Aging HICAP is sponsored by the Administration for Community Living, the California Department of Aging, and the Area 1 Agency on Aging. The contents of this document are solely the responsibility of Area 1 Agency on Aging HICAP and do not necessarily represent the official views of ACL.