When an American citizen turns 65 years of age, they have the option to enroll in Medicare (they may also qualify before the age of 65 if they are eligible for disability benefits). Basic Medicare, which includes Parts A and B, cover most of your basic hospital and doctor expenses, respectively. Unfortunately, “most” does not mean “all”. The expenses which Medicare does not cover – sometimes referred to as “gaps” in coverage – are what Medigap insurance protects you from. It is a private plan designed to cover the medical expenses where Traditional Medicare falls short of the mark.

by Enrique,