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Medigap plans, or Medicare Supplemental coverage Insurance, are designed to bridge the financial gap between Original Medicare (Parts A and B) and additional, optional coverage. To qualify for a Medicare supplement policy, you must enroll in both Original Medicare Parts A and B. Medigap policies often pay for all or most of the remaining 20% not covered by Medicare’s Parts A and B. Medicare Supplement insurance is offered by private insurance providers. The Centers for Medicare & Medicaid Services (CMS) mandates uniform benefit coverage across all plans, although individual insurers can set their premiums. Since Medicare Supplement Coverage Plans are sold individually, you must purchase two policies if you and your spouse require coverage.