What Is Medigap?

Medicare supplemental insurance, also known as Medigap, is a type of health insurance that is designed to cover certain expenses that aren't covered by the Original Medicare Plan. In New York State, Medigaps are sold through private insurance companies, such as UnitedHealthcare (UHC). In addition to enhancing your financial security by limiting your out-of-pocket expenses, the NYS Medicare supplement plans allow you to keep your doctor and hospital and to choose your own specialists and other health care providers. This is not possible with Medicare Advantage, which forces you to use doctors that are in a particular network.

Medigaps are designated by the letters A through N. Plan A is the core package, while Plans B, C, D, F, G, M, and N each differ according to their benefits but include all of the benefits of Plan A. Plans K and L offer catastrophic coverage only, and Plans E, H, I, and J are no longer available to new enrollees.

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