Medigap policies are a form of private supplemental insurance that pay for part or all of Medicare’s coinsurance and deductibles. Certain policies also cover health care costs that Medicare doesn’t cover, such as emergency medical care in foreign countries, and excess charges from a provider who does not accept assignment.

Unlike certain Medicare Advantage (MA) plans, Medigap policies do not restrict you to a network of providers and facilities. If you have a Medigap policy, you can see any doctor or use any hospital that accepts Medicare.

Note: You do not need Medigap coverage if you have an MA plan, or receive full Medi-Cal benefits.

In this section:

  1. Overview of Medigap Policies

    Learn about the 10 standardized Medigap plans A-N (plans A, B, C, D, F, G, K, L, M and N),  how they work and what they cover. Note: Due to changes in Federal law, plans E, H, I and J were eliminated as of June 1, 2010.

  2. General Medigap Information

    Review information on Medigap health screenings, waiting periods, Medicare SELECT plans and coordination with Medi-Cal.

  3. Medigap Premiums

    Find out how Medigap policy premiums are priced.

  4. Questions to Consider Before Choosing a Medigap Policy

    Get the answers to these questions before you buy a plan.

  5. Your Rights to Buy a Medigap Policy

    Discover the certain periods during which insurance companies are required to sell you a Medigap policy, regardless of health condition or age.

  6. Resources

    Resources and information on supplementing Medicare.