What Is Covered By Medigap Policies? 
A Medigap policy covers `` gaps '' that Medicare does not cover . Some examples include deductibles , coinsurance and copays . Each contract must adhere to both Federal and State laws . Also , they must be clearly marked as `` Medicare Supplement Insurance . '' There are other benefits that some Medigap plans will cover such as medical treatment outside the US . Private health insurance companies issue these policies and typically rates are very affordable . They are available through brokers and also reputable websites online that can provide quotes from multiple carriers . 