When To Buy A Medigap Policy? 
As for Medigap policies pertaining to Medicare Joann 's answer above is spot on ! I tend to think of `` Health Insurance Gap '' insurance in general as I do n't specialize in Medicare . If you have a major medical insurance plan and it does n't pay 100 % of the costs of all treatments you may want to look into a `` gap insurance '' plan . Many of the major medical plans leave you with a co-pay of 20 % on most items , and considerably more on some others . For example a dental plan may cover 50 % of the cost of a crown up to a maximum dollar amount for the year . There are some providers that offer indemnity plans that pay benefit you directly that you can use to cover your out of pocket costs such as your co-pay , or for whatever use you want . I happen to represent one such company that has very reasonable premiums , pays benefits in One Day from filing your claim , and offers excellent programs . ... quack quack ! 