Do Medigap Policies Cover Pre Existing Conditions? 
Yes , Medigap -LRB- aka Medicare Supplements -RRB- generally cover pre-existing conditions for Medicare approved expenses . The Center for Medicare and Medicaid Services -LRB- CMS -RRB- requires that all plans -LRB- A-N -RRB- provide a set of standardized benefits . For example , all Medigap Plan F Supplements have the same mandatory benefits regardless of the Insurance Carrier . Carriers may also offer optional benefits like Silver & Fit , Silver Sneakers , 24 Hour Nurse Hotline , etc. . 