How does Medigap work?

-For covered services, Medicare will pay its share of the Medicare-Approved Amount
-Afterwards, your Medigap policy will kick in

You will need to buy separate Medigap policies if you and your spouse both want Medigap coverage.

There is no health issue that prevents you from renewing your Medigap policy. As long as you pay your Medigap premiums, insurance companies cannot cancel your policy.