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If you are eligible for Medigap and you buy a Medigap policy:
Medicap covers out-of-pocket costs for Medicare-covered services. As a result, you will be responsible for paying all out-of-pocket expenses that Original Medicare won't cover for covered medical or hospital care.
The Medigap insurance plans fill in the gaps left over after Medicare Part A and B coverage by covering a portion of out-of-pocket expenses.