MEDIGAP

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 Are designed to fill the gaps in Original Medicare coverage, helping to pay for out-of-pocket costs like deductibles, copayments, and coinsurance 

Sold by private insurance companies, NOT  the government.

 Plans are standardized (they offer the same benefits) but costs can vary between insurance companies.  

 You and your spouse must buy separate Medigap policies (THEY ARE INDIVIDUAL POLICIES). Your Medigap policy won't cover any health care costs for your spouse. 

 Some Medigap plans offer additional benefits, such as coverage for skilled nursing facility care, foreign travel emergency coverage, and more.  

You can't have MEDIGAP if you have Medicare Advantage