While Original Medicare pays for many of your health care services and supplies, it may not cover everything you need. You may want to consider enrolling in a Medicare Supplement plan, also know as a Medigap plan.
Unlike Original Medicare, Medigap plans are offered through private insurance companies. These plans help cover some of the hospital and medical costs that Original Medicare doesn’t cover such as copayments, coinsurance and yearly deductibles. Some plans also help pay for services such as Part B excess charges, emergency overseas travel, and 2 out of the 10 Medigap plans include a yearly out of pocket limit, all of which Original Medicare does not.
In other words, a Medigap policy can fill in “the gaps” of Original Medicare.