Original Medicare only covers about 80% of your medical costs, leaving you to pay the rest. That’s where Medicare Supplement Insurance (Medigap) comes in. These plans help cover the expenses Medicare doesn’t. Here are five strong reasons to consider Medigap:
1. Extra Coverage for Out-of-Pocket Costs
Medigap fills the gaps left by Medicare. Plans can cover deductibles, copayments, coinsurance, and even the first three pints of blood for transfusions. Many also pay the Part A deductible ($1,676 in 2025), helping reduce your bills dramatically.
2. Multiple Plan Options
You can choose from 10 standardized Medigap plans (A–N). Benefits are the same across all insurers and most states, but premiums may vary. This variety lets you pick a plan that best fits your health needs and budget.
3. Nationwide Acceptance
Use your Medigap plan anywhere in the U.S. As long as a provider accepts Medicare, your Medigap plan works too—no networks, no referrals required.
4. Coverage While Traveling Abroad
Most Medigap plans provide up to 80% coverage for emergency medical care overseas. Original Medicare alone rarely covers foreign travel, making Medigap an essential safeguard for frequent travelers.
5. Predictable Costs and Peace of Mind
Fixed monthly premiums make budgeting easier. Instead of unpredictable bills, you’ll know your costs up front. All Medigap plans include at least some coverage for Part A and Part B coinsurance, giving you more financial certainty.
Next Steps
Medigap helps make healthcare costs more manageable and predictable. With a range of plan options, nationwide acceptance, and even travel coverage, it’s a smart choice for many Medicare beneficiaries.
We’ve been helping people find the right Medicare plan for more than 12 years. To compare options and see what works best for you, visit our Medigap comparison tool or speak with a licensed insurance agent today.