Most retirees assume that having Medigap coverage means they’re fully protected from surprise medical bills. Unfortunately, that’s not always true. While Medigap plans fill many of the holes left by Original Medicare, some coverage gaps only become obvious when a serious hospital stay or transfer happens. Whether it’s a move to a skilled nursing facility or a billing code you didn’t expect, these small details can turn into big out-of-pocket costs. Here are eight Medigap “gaps” you often don’t see coming—until it’s too late.
