As of 2015, Medicare Supplement Insurance, or Medigap, plans do not include dental benefits. Medigap health insurance plans supplement certain Original Medicare benefits. Applicants must have Medicare Part A and Part B to qualify for Medigap coverage. The plans are standardized, but coverage varies, and each plan offers different benefits.
Private insurance companies sell Medigap polices, which help cover coinsurance, copayments and deductibles. The type of health care services covered by Medigap policies may include inpatient and outpatient hospital services, skilled nursing facility services, hospice care and excess charges. Medigap coverage may also include costs associated with clinical lab services, blood transfusions, preventive care and emergency medical services when traveling abroad.
Medigap does not cover costs associated with Medicare Advantage plans, and an insurance company may not sell a Medigap policy to someone with a Medicare Medical Savings Account plan. Medigap recipients pay a monthly premium for the policy in addition to the premium paid for Medicare Part B.
Aside from dental services, additional medical expenses not covered by Medigap include eyeglasses, hearing aids, long-term care, vision and private duty nursing costs. As of January 1, 2006, Medigap policies do not cover prescription drugs. Prescription drugs are instead covered by the Medicare Prescription Drug Plan Part D.