Original Medicare doesn't cap what you pay out of pocket on its own. A Medicare Supplement (Medigap) plan can cover much of that — but plans, prices and timing vary. See how Medigap works, then get free help comparing the plans we offer in your area.
Medigap is private insurance that sits on top of Original Medicare and helps pay the gaps it leaves — things like deductibles and coinsurance. You keep using any provider that accepts Medicare; there's no network.
Medigap works alongside Original Medicare (Parts A and B). It does not include prescription drug coverage, so most people add a standalone Part D plan as well.
Medigap comes in standardized lettered plans (such as G and N). Each covers a different share of the gaps, so the premium and the out-of-pocket trade-off differ. What's right depends on your budget and how you use care.
There are windows — like your Medigap Open Enrollment around the time you start Part B — when you generally have the strongest right to buy a plan without health underwriting. Outside those windows the rules can differ by state.
No plan covers literally everything, and the best letter depends on your situation. We do not offer every plan available in your area; a licensed agent can compare the ones we do offer with you.
Medigap can mean fewer surprise bills and the freedom to see any doctor who takes Medicare — but the lettered plans and their prices take some sorting out. LeadLoom connects you with a licensed local agent who can lay out the Medigap options available to you and explain the trade-offs, at no cost and with no obligation to buy.
Medigap helps pay the out-of-pocket costs Original Medicare leaves — such as deductibles and coinsurance. Exactly how much depends on which lettered plan you choose. It does not include prescription drugs, so most people pair it with a Part D plan.
With a Medigap plan you can generally use any provider in the country that accepts Original Medicare — there's no network. That freedom is one of the main reasons people choose a Supplement over an Advantage plan.
You typically have the strongest right to buy — without answering health questions — during your Medigap Open Enrollment Period: a one-time 6-month window that usually starts when you're 65 and enrolled in Part B. Outside that window, guaranteed-issue rights vary significantly by state and situation. A licensed agent can tell you where you stand.
No. We are not affiliated with or endorsed by Medicare or any government agency. We do not offer every plan available in your area. For all of your options, you can contact Medicare.gov or 1-800-MEDICARE.