Medicare Supplement Insurance, often called Medigap, is extra insurance sold by private companies that may help with certain out-of-pocket costs of Original Medicare.
How Medigap fits
Medigap is designed to work with Original Medicare, which includes Part A and Part B. Depending on the policy, it can help cover certain copayments, coinsurance and deductibles.
Medigap is not Medicare Advantage
Medigap and Medicare Advantage work differently. You cannot use a Medigap policy to pay Medicare Advantage plan costs.
Enrollment timing matters
Medigap has its own enrollment rules. The federal Medicare website explains the six-month Medigap Open Enrollment Period and why coverage availability and pricing can be different outside that period. Texas-specific rules, if relevant, should be checked with official state sources before making a decision.
Before considering a policy
- Confirm whether you have Original Medicare.
- Review the official Medigap explanation and actual policy documents.
- Verify current eligibility, enrollment protections and prices instead of assuming that an older article applies.
Official guide: Medigap basics on Medicare.gov.
Official sources
Sources reviewed November 9, 2026. Medicare rules and plan information may change; check the official source for updates.
