What is it? A Medigap policy (also called “Medicare Supplement Insurance”) is private health insurance that’s designed to supplement Original Medicare. This means it helps pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

Play types offered: Insurance companies can sell only a “standardized” policy identified in most states by letters. Independence Blue Cross offers Plans A, B, F, F-HD, G, G-HD, and N.

Medical Coverage: No selection of a PCP is required; members are able to choose any doctor or hospital as long as they accept Original Medicare. This also allows for no referrals and no network.

Prescription Drug Coverage: Part D coverage is NOT included. Member must elect a separate, stand-alone PDP for Rx coverage.

MOOP: No maximum out of pocket.

How coverage works: Original Medicare is the primary payer and the Medigap plan is the secondary payer.

If you have any questions, please contact your Total Benefit Solutions, Inc Medicare specialists at (215)355-2121.