What Does Medigap Not Cover? 
In short , Medigap does not cover non-medically necessary procedures -LRB- e.g. cosmetic surgery -RRB- and items such as routine dental work and eye exams . Individual dental insurance plans and vision insurance plans will cover the latter programs - elective cosmetic surgery is generally going to be paid 100 % out-of-pocket no matter what . Medigap plans pay benefits when you have a Medicare-approved service claim . Please note , each Medigap plan features different benefits so the question can expand from there as not every Medigap plan covers every available Medigap benefit . For example , plan F covers each Medigap benefit at 100 % from day 1 -LRB- and 80 % for foreign travel emergency care , up to plan lifetime limits of $ 50,000 -RRB- . Plan N covers each Medigap benefit at 100 % from day 1 except for coverage of the Medicare Part B deductible -LRB- $ 147 in 2014 and 2015 -RRB- , Part B excess charges , and you have to pay a co-pay when you go to the doctor -LRB- up to $ 20 co-pay -RRB- or hospital -LRB- up to $ 50 co-pay -RRB- . I hope the information is helpful - please feel free to contact me for further help , including quotes and plan comparisons , and if you have any other questions . Thanks very much . 