Do My Spouse and I Carry the Same Medigap Insurance Policy?

Medigap Insurance is a supplemental insurance policy to Original Medicare since it doesn’t cover everything. Where Medicare Insurance falls short, Medigap is used to fill in the gaps. You can purchase Medigap from a private insurance company and use it to cover any expenses you might have under Medicare like deductible and co-pays left by Medicare Part A and Part B.

Medicare doesn’t cover things like dentures, long-term care like assisted living, hearing aids and exams, acupuncture, routine foot care and more.  Medigap supplemental insurance can cover these sorts of expenses, which is why many seniors opt to obtain Medicare supplemental insurance. To qualify for Medigap insurance enrollees must be enrolled in both Medicare Part A and Part B.

Medigap plans are no different than Medicare plans since they both over only cover one person’s health care coverage and not their spouse. Medigap only covers one person. Although you may be able to enroll in a Medigap insurance plan if you already have Original Medicare, your spouse can’t enroll under you. Your coverage does not extend to them. If your spouse is also eligible for Medicare, then they’ll have to enroll in a separate Medigap policy to get the same coverage as you. If you choose they can enroll in the same Medigap coverage that you are enrolled in.

If you want your spouse to be covered by Medigap, the best time for them to enroll is during their own Medigap Open Enrollment Period. This is a six-month time frame that starts on the first day of the month when they turn 65 are both enrolled in Medicare. During this time, an insurance company can’t utilize medical underwriting to deny coverage. Also, beneficiaries have the right to enroll in whatever plan they choose or want, even though some waiting periods may apply.

Medigap policies are priced depending on a number of factors like where you live, your gender and more.  Since plans can be affected by inflation, there can be a big difference in premiums for the same plan between different insurance carriers so shop around for the best price.

Learn more about Medigap plans and rates at  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!


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