Plans are issued on an individual basis. Your spouse or other family members must be issued a separate supplement policy (this can result in household savings)

Does not cover long-term care, vision, dental care (you may want to consider a Medicare Advantage Part C plan for these types of benefits)

Medigap plans may require medical underwriting depending on when you apply

Does not cover prescription drug coverage (you can add a separate Part D plan)

Enrollment in a Medigap plan includes a 'look back' period in which certain conditions treated in the six months before your plan started are not covered. Your Original Medicare (Parts A and B) will still cover your condition but you will be responsible for the 20% coinsurance and copayment that would be otherwise covered by your Medigap plan.