Medicare Supplement Insurance (Medigap) Plans

Our agents are here to help you: 1-888-264-0148

Start online

Medicare Supplement Insurance (Medigap) plans help cover some of the out-of-pocket costs of Original Medicare. This can include full or partial coverage for deductibles, coinsurance and copayments. Below, we examine the 10 standardized Medigap plans available in most states to help you decide which one will work for you.

Medigap Policies: The Basics

Each type of standardized Medigap plan provides coverage for a unique combination of basic benefits. Labeled Plan A, B, C, D, F, G, K, L, M and N, these Medigap policies have their own premiums that you pay in addition to your Medicare Part B premium.

Keep in mind that although Medigap Plan F from one insurer will have the same basic benefits as a Medigap Plan F policy sold by another insurance company, the price of the plans can vary depending on where you live and which company you buy your policy from. As a result, it is important to shop around to find the plan you want at an affordable price.

Eligibility

To be eligible for a Medigap plan, you must meet the following requirements:

  • You must be enrolled in Medicare Part B
  • You must be at least 65 years old
  • You cannot be enrolled in a Medicare Advantage plan (Medicare Part C)

It is also important to note that different states offer different Medigap plans, and insurance companies are not required to sell Medigap policies at all. However, if an insurance company does sell Medigap policies, they are required to offer:

  • Medigap Plan A and
  • Either Medigap Plan C or Medigap Plan F

Speak with a licensed agent to find out which Medigap policies are available in your state.

Plans

Each type of Medicare Supplement Insurance plan varies in the basic benefits it may offer. Currently, Medigap Plan F is the most comprehensive Medicare Supplement Insurance plan, offering full or partial coverage for all nine basic Medigap coverage areas:

  • Medicare Part A coinsurance
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Medicare Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charge
  • Foreign travel exchange

The chart below shows the basic benefits of all 10 types of Medigap plans and allows you to easily compare coverage 

2017 Medigap Plans Chart

Enrollment 

The best time to enroll in a Medigap plan is during your Medigap open enrollment period, which begins the day you are both 65 years or older and enrolled in Medicare Part B. 

Failing to enroll in Medigap during your open enrollment period could cause your premiums to go up or could prevent you from being able to purchase a Medigap plan at all. 

A licensed agent can help you better understand your Medigap options and match you with a plan that makes sense for you. You can speak with a licensed agent now by calling 1-888-264-0148.

Resource Center

Understanding Medicare's Deductibles

Medicare does indeed have deductibles. These deductibles are standardized for Original Medicare and on a plan-by-plan basis for Part C and Part D.

Read More

Medigap Policies | Compare Free Quotes

Medigap policies can help cover some of Medicare's out-of-pocket costs. Learn about your eligibility and enrollment options today.

Read More

Original Medicare Does Not Cover Insulin Pens

Original Medicare doesn't cover insulin pens, but a Medicare Part D prescription drug plan may provide coverage for medical supplies used to inject insulin.

Read More

Medicare Coverage for Male Sexual Health

Original Medicare covers penile implants under Medicare Part B. Learn what costs you may face, as well as what steps you'll need to take to get coverage.

Read More

Medicare Enrollment Periods

It's important to understand all of Medicare's various enrollment periods so you can be ready to take advantage of your benefits.

Read More

The CBO Report on Trumpcare

The CBO released its report on Trumpcare (the AHCA). Here are the major takeaways and what it means for you.

Read More

Is Medicare Supplemental Insurance Necessary?

Should you get supplemental insurance for Medicare? Learn more about your options and get help figuring out what coverage you need.

Read More

New Classification Model Aims to Improve Cancer Care

A new model has been developed for the classification of cancer patients that hopes to improve the efficiency of end-of-life care.

Read More

Rates for Medicare Supplement Insurance Plans

Medicare Supplement Insurance plans are available in varying degrees of coverage, which is part of how their rates are determined. Learn more.

Read More

Your information is safe with us.

Our agents are here to help you1-888-264-0148