Do I have to have Medicare to get Medigap insurance?
You must enroll in Original Medicare Part A and Part B to purchase a Medigap supplemental insurance plan.

Can I get Medigap Insurance if I am on the Medicare Advantage Plan?
If you currently have a Medicare Advantage Plan, you are eligible to apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.

Do I have to pay for a Medigap Plan separately from paying for my Medicare premium, or are they included in one payment?
You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.

Can my wife and I get a joint Medigap plan?
A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.

Who sells Medigap Insurance?
You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.

Can I get Medigap Insurance if I have a pre-existing condition?
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

Does Medigap Insurance cover prescription drugs?
Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).

I have an MSA Plan. Do I still need a Medigap Plan?
It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

What doesn’t Medigap cover?
Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.