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Area Agency on Aging
Five County Association of Governments
1070 W. 1600 S. Building B
St George, UT 84770

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Getting to Know Medicare: Medigaps




What are Medigaps?

Medicare Supplement Insurance policies, commonly known as Medigaps, are health insurance policies that offer standardized benefits to fill some of the cost-sharing and coverage gaps in Original Medicare.


What does it cover?

If you have a Medigap, it pays part or all of certain remaining costs after Original Medicare pays first. Medigaps may cover outstanding deductibles, coinsurance, and copayments. Medigaps may also cover health care costs that Medicare does not cover at all, like care received while traveling abroad.


Will a Medigap work with my Medicare coverage?

Medigaps only work with Original Medicare. If you have a Medicare Advantage Plan, you cannot buy a Medigap.


What Medigap options do I have?

In Utah, you have 10 types of Medigap policies to choose from, each one identified by a different letter. Each policy type offers a different set of standardized benefits. Our unbiased SHIP counselors are available to help with understanding each plan and it's coverage,


How do I get a Medigap plan and what will it cost?

Medigaps are sold by private insurance companies. Be aware that though policies with the same name must offer the same standardized benefits, premiums vary from company to company.


For more, contact our SHIP counselors at 435-673-3548.

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