We've been helping people find their perfect Medicare plan for over 10 years.

Medicare Supplement Insurance Plans

Medicare Supplement Insurance plans (also called Medigap) help cover some of the out-of-pocket costs for hospital and medical services that are associated with Original Medicare. Learn more about each type of Medigap plan and compare basic benefits in order to find the right health insurance option for your needs.

The 10 Standardized Medigap Plans

There are 10 standardized Medicare Supplement Insurance plan types sold in most states, though Minnesota, Wisconsin and Massachusetts have different options. Though Medigap plans are sold by private insurance companies, the basic benefits of each type of Medigap plan are standardized by the federal government.

For example, Medigap Plan F sold in North Carolina must offer the same basic benefits as Medigap Plan F in Oregon. The prices charged for each plan, however, may vary based on your location, your insurance provider and your age.

This chart helps illustrate the basic benefits of each type of Medicare Supplement Insurance plan.

Chart showing Medigap plan benefits in 2019

Plan F Is the Most Popular Medicare Supplement Insurance Plan

Of the 10 standardized Medicare Supplement Insurance plans, the most popular is Medigap Plan F. It covers all nine of the basic benefits a Medigap plan can cover.

It’s important to note that Plan F will not be available for new Medicare beneficiaries beginning Jan. 1, 2020. If you already have Plan F, you may keep it after that date. If you became eligible for Medicare before 2020, you can still buy Plan F if it is available where you live.

Medigap Insurance and Other Health Care Costs

Medicare Supplement Insurance plans do not offer prescription drug coverage. If you want prescription drug benefits, you can consider purchasing Medicare Part D coverage.

You can get Part D coverage through a standalone Prescription Drug Plan that works with Original Medicare. Or you can buy a Medicare Advantage plan with prescription drug coverage included, but you may not buy a Medigap policy.

Insurance companies may let you purchase a Medigap plan if you are under 65 but qualify for Original Medicare benefits due to a specific condition or disability. Please note certain state exclusions for ERSD.

If you have questions, contact your state health insurance office.

Enrolling in Medicare Supplement Insurance

The best time to purchase a Medicare Supplement Insurance plan is during your Medigap Open Enrollment Period (OEP). This period begins as soon as you are both:

  • Age 65 or older AND
  • Enrolled in Medicare Part B

Your open enrollment period lasts for six months. During this period, insurance companies are required to sell you a Medigap policy regardless of your health at the time of enrollment. Insurers also cannot charge you more for a policy based on preexisting conditions if you enroll during your Medigap open enrollment period.

Speak with a licensed agent at 1---ms-tfn-- to learn more about your Medicare Supplement Insurance options.

I want to compare Medicare Supplement Plans.

Start Online
Or chat about my options with an agent:--ms-tfn--

Resource Center

Find a Medicare Policy: Original Medicare and Private Medicare Plans

There are 4 primary parts of Medicare, which include some private Medicare policy options. Each part of Medicare covers can cover different needs and...

Read More

What Does Medicare Cost in 2019?

New to Medicare? Compare plan costs in your area. Find a plan Or call [link_phone] to speak with a licensed insurance agent. Each part of Medicare inc...

Read More

New to Medicare Series: Part 7

Exploring Your Medicare Options Now that you have a better understanding of Medicare and how it works, you can begin shopping for the type of coverage...

Read More

New to Medicare Series: Part 1

Medicare 101 Original Medicare is the federal health insurance program for people age 65 and older and younger people with certain disabilities or med...

Read More

New to Medicare Series: Part 2

Glossary of Medicare Terms Medicare doesn’t have to be complicated, and learning important Medicare terms can help ensure you fully understand your co...

Read More

10 Surprising Benefits Every Medicare Beneficiary Should Know About

Medicare Part B helps cover a wide range of medical costs for people age 65 years or older and people younger than 65 who have certain disabilities or...

Read More

Ask a Licensed Insurance Agent

12 of Your Biggest Medicare Questions Answered There is a lot to understand about Medicare, and we know that getting all the information you need can...

Read More

What Does Original Medicare Cover?

Medicare Part A and Medicare Part B each provide coverage for different types of services. If you require a specific health test or medical procedure,...

Read More

Retirement health insurance options

After you retire, you have a wide variety of health insurance options available. Your best option will depend on your needs, your budget, and your eli...

Read More