Medigap payments are typically made directly to the policyholder, not the beneficiary. Medigap, also known as Medicare Supplement Insurance, is a type of private insurance that helps cover the gaps in Medicare coverage. When a Medigap claim is filed, the insurance company will generally send the payment directly to the policyholder. The policyholder can then use the payment to pay for their healthcare expenses. It's important to note that Medigap policies are sold by private insurance companies, so the specific payment process may vary depending on the insurance company. However, in most cases, the payments are made directly to the policyholder.