In general, if Medicare does not pay any part of a certain service, then medigap may not either. Medigap is designed to continue paying what Medicare started paying. The plans differ in how much they pay toward medical costs, under what conditions, and how much they charge. In general, the more the medigap plan agrees to pay, the more it costs. You must weigh the risk of paying medical costs yourself against paying for medigap insurance.
Most states limit the number of different types of medigap plans that can be sold.
In these states, in order for a company to sell a medigap plan, the benefits must conform to one of 10 standard benefits packages. This makes it much easier for consumers to compare medigap plans. If you have one medigap plan, you need not buy a second. Most experts agree that one medigap policy per person is enough. If you want to buy more health insurance, consider a different type.