Do I Need to Add Medigap to My Plan?

Medigap provides private health insurance that covers Original Medicare payment “gaps.” Medigap will pay for co-payments, coinsurance, and deductibles. Additionally, insurers with OGM see a benefit when purchasing a Medigap policy to supplement their Medicare benefits. Medigap policies will not work with MA plans so an enrollee would need to switch back to OGM. You must also note that some insurers work for employers or unions that pay for additional insurance that Medicare policies don’t cover. The plans (which are known as F, G, K, L, M and N) offer different benefits. Some companies charge more for the exact same plan even though the benefits of each plan with the same letter designations are the same.