Have questions about our plans?
Click hereI’m new to Medicare > Learn about Medicare
What Medigap Covers
Medigap offers 12 standardized plans and two high-deductible standardized plans – a total of 14. Each of the 14 plans has specific benefits that are defined by federal law. Because the law standardizes all Medigap plans, the benefits of a particular plan (Medigap Plan A, for example) do not vary from insurance carrier to insurance carrier.
What does vary are:
- The number of plans a carrier may offer (anywhere from one of the 14 plans to all of them), and
- The cost of the plan(s)
See what Medigap plans we offer.
Medigap provides:
- Coverage for the 20% of costs not paid by Medicare
- Coverage for your eligible copays and deductibles
- Coverage for other medical services, like outpatient services
With a Medigap plan, you:
- Keep your doctors
- Choose your hospitals
- Enjoy guaranteed acceptance*
- Won't worry about referrals
- Have your deductibles and copays paid
- Have predictable costs
- Fill in all the coverage gaps
*If you have had more than a 63-day break in health coverage, you may be subject to a 90-day waiting period.
For more information about choosing a Medigap policy, you can visit www.medicare.gov or go directly to Medicare.gov's PDF, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.
Plan Resources
Additional Information
-
If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will both pay their shares of covered health care costs.
- For more information on Medigap plans, including rates, please visit Need to Buy Insurance? on our affiliated site,
www.carefirst.com.
We administer Maryland's SPDAP program
Find out what it is and if you're eligible.