Medigap Insurance Plans

Medicare Supplement Insurance plans, also known as Medigap, help cover gaps in coverage from Medicare Part A and Part B. If you have fairly frequent doctor or hospital visits, your coverage from Medicare Parts A and B (Original Medicare) may come with out-of-pocket costs. Medigap plans can fill in these gaps by helping cover costs like deductibles, coinsurance, and copayments. The monthly premium cost of a Medigap plan will vary depending on the type of coverage you secure, but lower annual out-of-pocket costs for healthcare services typically offset the cost of Medigap premiums.

Compare Medigap Plans

In most states, there are eight Medicare Supplement Insurance plans to choose from, and all policies have been standardized. That means there is no difference in the benefits offered between Medicare Supplement Insurance plan carriers. The only difference between Medigap plans tends to be the cost of the monthly premium. Medicare Supplement Insurance plans are denoted by the letters A through N (plans C, E, F, H, I, and J are no longer sold). Although the names of some of the Medicare Supplement Insurance plans sound familiar to the parts of Original Medicare, such as Part A and Part B, they are not the same.

Medigap Plan Comparison Chart

Below is a general comparison of the benefits of each standardized Medigap plan:

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,950 in 2026 before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

Is a Medicare Supplement plan worth it?

Whether or not a Medicare Supplement plan is right for you will depend on your specific coverage needs and situation. Learn more about the individual Medicare Supplement Insurance plans below:

3 Things to Consider Before Medicare Supplement Enrollment

As you prepare to sign up for a Medicare Supplement Insurance plan, it’s important to remember the following:

1. Medigap Plan Requirements and Limitations

• You must have Medicare Part A and B in order to buy a Medicare Supplement Insurance policy.

• A Medicare Supplement Insurance policy can only cover one individual. If you and your spouse both want Medigap coverage, you will each need a separate policy.

• Prescription drugs are not covered by Medicare Supplement Insurance.

• Medigap policies generally do not cover vision or dental care, hearing aids, eyeglasses, long-term care, or private nursing.

• Medicare Supplement Insurance plan availability will vary by state.

• Medicare Supplement Insurance and Medicare Advantage (Part C) are different types of plans.
  
  

2. Medicare Supplement Insurance Coverage

• You are eligible to purchase a Medicare Supplement Insurance policy (Medigap) on the first day of the month in which you turn 65. You must already be enrolled in Medicare A and B. During this time, you can buy any Medigap policy sold in your state, even if you have health problems.

• You pay the private insurance company a monthly premium for your Medicare Supplement Insurance policy. This cost is in addition to the cost you pay for your Medicare Part B premium.

• Any standardized Medigap policy is guaranteed to renew each year, even if you have health problems. This means the insurance company cannot cancel your Medicare Supplement Insurance policy as long as you pay the premium.
  
  

3. Compare Medicare Supplement Insurance vs. Medicare Advantage Plans

Before you enroll in a Medicare Supplement Insurance plan, you’ll want to make sure you understand the difference between Medicare Advantage vs. Medicare Supplement Insurance. Here’s a brief overview of the differences between the two:

Medicare Supplement Insurance Plans

• Intended to fill the gaps in coverage from Original Medicare (Part A and Part B)

• Typically, a higher monthly premium and lower out-of-pocket expenses

• Provides coverage for any doctor or facility that accepts Original Medicare

• Provides coverage in all 50 states, with some plans providing coverage when traveling outside of the U.S.
  
  
  

Medicare Advantage Plans

• An alternative to Original Medicare (Part A and B)

• Generally costs less than Medicare Supplement Insurance and may cover more services

• Limits you to doctors and facilities within the HMO or PPO and may not cover out-of-network care

• Can only operate within a certain region

• Community-Rated: Generally, the same monthly premium is charged to everyone who has the Medigap plan, regardless of age. Premiums may go up because of inflation and other factors, but not because of your age.

• Issue-Age-Rated: The premium is based on the age you were when you bought the Medigap plan. Premiums are lowered for people who buy at a younger age and won’t change when you get older. Premiums may go up because of inflation and other factors, but not because of your age.

• Attained-Age-Rated: The premium is based on your current age, increasing your premium as you get older. Premiums are lower when you are younger, but continually increase as you age. Premiums may also increase because of inflation or other factors.
  
  

It’s important to consider all your options when shopping for Medicare plan coverage. At SelectQuote, we can walk you step-by-step through the comparison and shopping process to find the Medicare Supplement Insurance plan that’s right for you. Save yourself time and let us do the comparing—it’s free and there’s no obligation to enroll.

Explore Medicare Supplement Plans in Your State

Medicare Supplement Insurance plans are available from private insurance companies in all states. To find out more, just click on your state within the map on this page, select a state from the drop-down menu, or click on one of the links below.