Also called Medigap — predictable coverage that pairs with Original Medicare and works well with VA care.
Medigap plans fill the gaps in Original Medicare (Part A and Part B). They help cover deductibles, coinsurance, and copays when you see non-VA providers. Unlike Medicare Advantage, Medigap has no networks — any doctor or hospital that accepts Medicare can be used.
The most comprehensive option for most people. Covers nearly all Medicare cost-sharing after you pay the Part B deductible.
Strong coverage at a lower premium. Small copays for some office visits and ER; good choice if you want to save on monthly cost.
Many veterans keep VA for routine and service-connected care, then use Original Medicare + Medigap for specialists, travel, emergencies, or providers outside the VA system. This combination gives maximum flexibility.
You cannot have both a Medicare Advantage plan and a Medigap plan at the same time. We help you choose the path that fits your doctors, prescriptions, and VA usage.