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Medigap Policies are insurance policies purchased through private insurers that can help cover some of Original Medicare's out-of-pocket costs such as copayments, coinsurance and deductibles.
There are 10 standardized Medigap plans available in most states (excluding Massachusetts, Wisconsin and Minnesota, which each have their own options). Because Medigap policies are standardized, Medigap Plan F purchased in Washington will provide the same benefits as Medigap Plan F purchased in Virginia, and so on.
Keep in mind, however, that health insurance companies set their own prices for Medigap policies, so it is important to shop around and compare rates before purchasing a plan.
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Anyone who is age 65 or older and enrolled in Original Medicare is eligible for a Medigap policy. Medicare recipients under the age of 65 may be eligible for a Medigap policy in some states, but not all.
Currently, the states that require insurers to offer Medigap policies to Medicare recipients under the age of 65 are Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas and Wisconsin.
Note: People enrolled in Medicare Advantage are not eligible for Medigap.
The following chart compares the ten Medicare Supplement Insurance plans side by side.
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It is important to enroll in Medigap during your open enrollment period, which is the six-month period that begins when you are both 65 years old and enrolled in Medicare Part B. Failing to enroll in a Medigap plan during your open enrollment period could cause your premiums to be higher or could prevent you from enrolling at all.
Before you choose a Medigap policy, it is important to determine how much coverage you need and how much you can afford to pay for a monthly premium. The plans with more benefits typically cost more than the plans with less coverage. It is also important to verify whether or not the plan you want is available in your area. A licensed agent can help answer all of these questions for you and match you with a Medigap plan that works for you.
Speak with a licensed agent today at 1-800-995-4219.
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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