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Medigap plans are sold by private insurers to help cover some of Original Medicare's out-of-pocket costs. In most states, there are 10 standardized Medigap plans to choose from, each providing varying levels of basic benefits to Medicare beneficiaries.
All 10 Medigap policies provide coverage for:
Nine of the 10 standardized Medigap plans provide basic benefits beyond those listed above. The only Medigap that does not is Medigap Plan A. To compare the benefits of all 10 Medigap plans, refer to the chart below.
Note: Massachusetts, Minnesota and Wisconsin standardize their Medigap plans differently.That period begins when you turn 65 and have enrolled in Medicare Part B.
Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
You must be enrolled in Medicare Part B to be eligible for a Medigap plan. If you are enrolled in Medicare Advantage (Medicare Part C), you cannot enroll in a Medigap plan. You may have the option to drop your Medicare Advantage plan and join a Medigap plan instead, but you must first enroll in Original Medicare (Medicare Part A and Part B).
If you are younger than 65 and qualify for Medicare because of a disability or medical condition, your eligibility for Medigap will vary based on where you live. Some states require insurance companies to offer Medigap to Medicare recipients under the age of 65 and some do not.
If you're considering adding a Medigap plan to your Original Medicare coverage, it is important to enroll during your open enrollment period. Your open enrollment period is the six-month period that begins the month you turn 65 and are enrolled in Medicare Part B.
If you enroll in Medigap during your open enrollment period, insurers cannot use medical underwriting to determine how much you'll pay for a policy.
If you enroll in Medigap outside of your open enrollment period, however, you could be denied coverage or be required to pay a higher monthly premium.
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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