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Medigap (Medicare Supplement)

Private insurance that pays the deductibles and coinsurance Original Medicare leaves behind.

What they don't tell you

Pairs with Original Medicare, not Medicare Advantage. There are standardized plan letters (G, N, etc.) so the same letter means the same benefits across insurers — but pricing varies wildly. Buy during your six-month open enrollment window after turning 65; outside it, insurers can deny you for health reasons.

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