Medigap insurance provides coverage for many of the co-pays and some of the co-insurance related to Medicare-covered hospital, skilled nursing facility, home health care, ambulance, durable medical equipment, and doctor charges.
Under federal law, insurers are not required to sell Medigap policies to people under 65, and even if they do, they may use medical screening.
However, a slight majority of states require insurers to offer at least one kind of Medigap policy to at least some Medicare recipients in that age group.
[1] Medigap offerings have been standardized by the Centers for Medicare and Medicaid Services (CMS) into ten different plans, labeled A through N, sold and administered by private companies.
2 on April 14, 2015, which eliminated plans that cover the part B deductible for new Medicare beneficiaries starting January 1, 2020.
The 2020 Medigap Price Index found that someone turning 65 could pay more than three times more[clarification needed] for virtually identical coverage.