Medicare
Medicare Supplement (Medigap)
Help covering the costs Original Medicare leaves behind
Medigap, also called Medicare Supplement Insurance, is offered by private insurance companies to help pay out-of-pocket costs that Original Medicare does not cover.
In plain language
Medigap policies can help pay copayments, coinsurance and deductibles that you would otherwise owe under Original Medicare.
Medigap plans are standardized and must provide a core set of benefits, though some plans offer additional coverage, such as help with emergency medical care while traveling outside the United States.
Who this may be for
- People enrolled in Original Medicare (Parts A and B) who want more predictable out-of-pocket costs.
- Individuals who prefer the flexibility of Original Medicare's nationwide provider access over a network-based Medicare Advantage plan.
- People considering whether to switch from a Medicare Advantage plan back to Original Medicare paired with Medigap.
What it generally covers
- A standardized core set of benefits that every Medigap plan of a given type must include.
- Cost-sharing amounts such as copayments, coinsurance and deductibles left over from Original Medicare.
- Some plans may include additional coverage, such as help with emergency medical care incurred while traveling outside the United States.
Coverage, costs and availability vary by policy, carrier, eligibility and location. The details above are educational and are not a description of any specific plan.
Not sure whether medicare supplement (medigap) fits your situation?
Consultations are offered at no cost and without obligation. Submitting a form does not enroll you in coverage.
Important choices and considerations
Am I eligible for a Medigap plan?
- You must be enrolled in both Medicare Part A and Part B.
- You'll pay a monthly premium for the Medigap policy, in addition to your Part B premium.
- Medigap policies cover one person, so married couples generally need separate policies.
- If you're currently enrolled in a Medicare Advantage plan (Part C), you are generally not eligible for a Medigap policy unless you switch back to Original Medicare.
Potential limitations and exclusions
- Medigap policies do not include prescription drug coverage; a separate Part D plan is generally needed.
- You cannot hold both a Medicare Advantage plan and a Medigap policy at the same time.
- Medigap covers only one individual per policy, so household coverage requires multiple policies.
- Depending on when you apply, medical underwriting may affect your ability to enroll or the premium you're offered outside of certain guaranteed-issue windows.
How Bleu Sky's helps
- Help you understand your Medicare options and eligibility.
- Review plan costs, coverage and benefits with you.
- Help you understand rules around avoiding late enrollment penalties.
- Compare Medigap policies and premiums across carriers.
- Help you weigh switching from Medicare Advantage to Original Medicare with a Medigap plan.
- Help you find a plan that fits your healthcare needs and budget.
What happens next
- 1
Tell us what you need
Share your situation in a short conversation. No sensitive information required.
- 2
Review your options
A licensed advisor walks you through the choices available to you in plain language.
- 3
Choose with confidence
Decide at your own pace. We stay available after you enroll.
Medicare Supplement (Medigap): common questions
Where we help
Bleu Sky’s Insurance Solutions is based in Tampa and works with individuals and families across the Tampa Bay area and Florida. We are also licensed in Georgia and New York. Availability, eligibility and coverages vary by state, and not all products are available in every state.
Already a client?
Policy service — billing, claims, policy changes and document requests — is handled separately from new coverage questions. Visit the Client Center or call (813) 360-1884.
Go to the Client CenterTalk it through with a licensed advisor
We listen first, explain your options in plain language, and help you decide at your own pace. Consultations are free and carry no obligation.
Prefer to talk now? Call (813) 360-1884. Consultations are free and carry no obligation.