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Medicare Supplement Insurance Plans

Medicare Supplement Insurance (Medigap) can be purchased to work with Original Medicare coverage (Part A and Part B). Medicare Supplement Insurance plans help pay certain out-of-pocket expenses that aren’t covered by Original Medicare such as deductibles, copayments and coinsurance costs.

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What Is Medicare Supplement Insurance?

Medicare Supplement Insurance plans are sold by private insurance companies to beneficiaries who want to supplement their Original Medicare benefits.

Medigap plans help fill in the cost “gaps” that can be left by Original Medicare coverage. These costs can include the following Medicare-related expenses: 

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • Blood (first three pints)
  • Part A hospice care coinsurance or copayments
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency care

The first four basic benefits listed above are covered (at least in part) by each type of Medigap plan. The remaining five basic benefits may or may not be included, depending on which type of plan you choose.

With some cost-sharing Medicare Supplement Insurance plans, coverage of these basic benefits may only be partial.

10 Standardized Medigap Plans

The chart below outlines the basic benefits included in each type of Medicare Supplement Insurance plan.

Chart showing Medigap plan benefits in 2019

There are 10 Medigap plans available for purchase in most states: Plan A, B, C, D, F, G, K, L, M and N. Each type of plan is labeled by a different letter, and each offers a different variation of basic health care coverage.

Plans are standardized, and insurance carriers are required to offer the same basic benefits for same-lettered policies. This means that one insurer’s Plan G will offer the same basic benefits as another company’s Plan G option. Costs and additional benefits will vary based on the insurance company, but the basic benefits covered by each are the same.

NOTE: In Massachusetts, Minnesota and Wisconsin, plans are standardized differently. Contact your State Insurance Department to learn about Medigap policies in your area.

How Is Medicare Supplement Insurance Different From Medicare Advantage?

Medicare Supplement Insurance is different from Medicare Advantage plans. Medicare Advantage plans can be bought from a private insurance company as an alternative to Original Medicare. Medicare Advantage plans must include the same benefits as Part A and Part B, but may include others. The benefits included in a Medicare Advantage plan and the cost of the policy will vary based on the private insurance company providing coverage.

Medigap plans supplement your Original Medicare benefits to extend your coverage. You cannot purchase a Medicare Supplement Insurance plan if you are already enrolled in a Medicare Advantage plan. If you would like to disenroll in a Medicare Advantage plan, you should contact your insurance provider.

Learn more about Medicare Supplement Insurance and compare quotes in your area with the help of a licensed agent at 888-264-0148.

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Resource Center

Easily Compare Medicare Supplement Insurance Plans

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Find a Medicare Supplement Insurance Plan

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Medicare out-of-pocket costs can be expensive for many seniors. Medicare Supplement Insurance can help pay for some of them.

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Switching From Medicare Advantage to Medicare Supplement Insurance

You can only switch from a Medicare Advantage plan to Original Medicare at certain times.

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Finding the Right Medicare Supplement Insurance

Help supplement your Medicare coverage with a Medicare Supplement Insurance policy. Get your free quote today.

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Learn about Medicare Supplement Insurance Plan C benefits, and how they compare to other Medigap plans.

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What You Should Know About Medicare Supplement Insurance Plan D

Here's what you should know before you enroll in Medicare Supplement Insurance Plan D.

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