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Medicare 101

Medigap Plans | Medicare Supplement Insurance

Christian Worstell

by Christian Worstell | Published February 18, 2021 | Reviewed by John Krahnert

Medigap plans (also known as Medicare Supplement Insurance) are sold by private insurance companies to help cover some of Original Medicare's out-of-pocket costs. 

In most states, there are 10 standardized Medigap plans to choose from, labeled A, B, C, D, F, G, K, L, M and N.

Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.

Each Medigap plan provides a mix of basic benefits, all 10 provide at least partial coverage for:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Part A hospice care coinsurance or copayment

Medigap Plans Comparison

To compare the basic benefits of each type of Medigap plan, use the chart below.

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Medicare Supplement Benefits

Part A coinsurance and hospital coverage

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

First 3 pints of blood

Skilled nursing facility coinsurance

Part A deductible

Part B deductible

Part B excess charges

Foreign travel emergency

A B C* D F1* G1 K2 L3 M N4
50% 75%
50% 75%
50% 75%
50% 75%
50% 75% 50%
80% 80% 80% 80% 80% 80%

* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

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1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.

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Enrolling in a Medigap Plan

The best time to purchase a Medicare Supplement Insurance plan is during your Medigap open enrollment period. Your open enrollment period begins as soon as you are at least age 65 years old and enrolled in Medicare Part B. Your open enrollment period only lasts for six months.

During your Medigap open enrollment period, insurance companies cannot deny you coverage or charge more for your monthly premiums based on any preexisting health conditions you might have. If you apply to enroll in Medicare Supplement Insurance outside of your open enrollment period, you may be subject to medical underwriting.

6 Essential Facts About Medicare Supplement Insurance Plans

Below are seven basics you should keep in mind regarding Medigap:

  1. Medicare Supplement Insurance plans are sold by private insurance companies and are not managed by the federal government. 
  2. There are 10 standardized Medigap policies in most U.S. state (Wisconsin, Massachusetts and Minnesota have different options).
  3. You will have to pay a monthly premium for a Medigap plan in addition to your Medicare Part B premium.
  4. You must have Medicare Part A and Part B in order to buy for Medicare Supplement Insurance. 
  5. If you have a Medicare Advantage plan (Medicare Part C), you have to leave that plan before Medicare Supplement Insurance benefits can take effect.
  6. Your Medigap policy will be guaranteed renewable as long as you continue to pay your policy premiums on time, even if you develop a health issue.

Find the Right Medicare Supplement Insurance Plan For You

The right Medicare Supplement Insurance plan for you will likely come down to two factors: your budget and the benefits you need.

To get help comparing Medigap plans, speak with a licensed agent at 1-800-995-4219 or read through our Medigap Comparison Guide.

Resource Center

Compare Medigap Plans 2021

See how the 10 Medigap plans differ. Review our chart for a detailed comparison of Medicare Supplement insurance benefits and compare Medigap options where you live. Read more
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