Is Medigap The Same As Part B? 
Let me start by saying that Medigap isnt the same as Part B but lets get a better understanding of how Medicare works . If you look at page 17 of the 2015 Medicare and You book you will see there are 2 main choices on how you can get your Medicare coverage . There is Original Medicare that includes Part A and B with the option to fill in the gaps in Original Medicare by buying a Medicare Supplement Insurance -LRB- Medigap -RRB- policy . Or there is Medicare Advantage Plan , Part C , which include Part A , Part B and in most cases Part D. On page 92 of the Medicare and You book you will find that all Medigap policies are standardized . All polices offer that same basic benefits but different insurance companies may charge you different premiums for the same exact policy . Its a good idea to use a good broker that represents multi companies that can show you not only the price difference but also the average rate increases because all Medigap policies go up every year . Now there are different Medigap plans A-N , the easiest way to think about this is like car insurance . You can buy a car insurance policy with no deductible but by doing so your premium will be higher . If you choose to assume some of the risk , buying a policy with a deductible your premium will be lower . As long as youre in fairly good health -LRB- no major illnesses or recent hospitalization with in the last 2 years -RRB- you can show the market for the lowest price , remember Medigap plans always have a price increase each year and its always a wise decision to shop around every couple of years to find the best price . I am aware of one insurance company that once you are approved , will allow you to change between plans without re-looking at your current health , which may be a viable option if you want to save money with a higher deductible while you are in good health and then when your health starts to change you change your plan to a lower deductible . If you have any other question feel free to contact me for a phone review or we can chat on Skype . 