Medigap
Also known as: Medicare Supplement Insurance, Medicare Supplemental
Private insurance that covers Medicare's cost-sharing gaps — typically pays the 20% Part B coinsurance for DME and services.
Medigap (Medicare Supplement Insurance) plans are sold by private insurers to fill the gaps in Original Medicare coverage. Standardized plans (labeled A through N) are defined by federal law — Plan G offered by one insurer is identical to Plan G from another, though premiums vary.
For diabetic supply costs, the most important Medigap benefit is coverage of the Part B 20% coinsurance. With a Plan G or Plan F, for example, the beneficiary typically pays $0 for Medicare-approved DME including CGM, insulin pumps, test strips, and therapeutic shoes after meeting the annual Part B deductible.
Medigap does NOT cover prescription drugs (Part D), so insulin still requires separate Part D enrollment. Medigap plans are not available to Medicare Advantage enrollees — the two are mutually exclusive. The best time to enroll in Medigap is during the 6-month open enrollment window that begins when a person turns 65 and enrolls in Part B, when acceptance is guaranteed.
Frequently asked
What is Medigap?
Private insurance that covers Medicare's cost-sharing gaps — typically pays the 20% Part B coinsurance for DME and services. Medigap (Medicare Supplement Insurance) plans are sold by private insurers to fill the gaps in Original Medicare coverage. Standardized plans (labeled A through N) are defined by federal law — Plan G offered by one insurer is identical to Plan G from another, though premiums vary.
How does Medigap relate to Medicare coverage?
Medicare Part B covers most durable medical equipment related to Medigap. Contact us to verify your specific coverage for related diabetic supplies.
Where can I get diabetic supplies related to Medigap in Phoenix?
We deliver Medicare-covered diabetic supplies throughout the Phoenix metro area. Call us or complete the form above to verify your coverage.