Medigap insurance is for covering the balance left over after Medicare pays their portion of the bill. There are two types of Medigap: (1) Supplemental, which covers the 20% that Medicare doesn’t pay, and (2) Secondary, which pays for everything except spinal manipulation. So which is best? Consider that Secondary will cover services not covered by Medicare (such as extraspinal manipulation, i.e. shoulder, ankle, knee; and possibly such services as home care counseling, exercises, etc.), whereas Supplemental only finishes paying for Medicare-covered services.
