Medicare Supplement
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What is a Medicare Supplement
A Medicare Supplement plan, also called Medigap, is private health insurance that works alongside Original Medicare (Parts A and B) to cover costs that Medicare doesn’t pay for, like copayments, coinsurance, and deductibles. Medigap plans are offered by private insurance companies and are designed to give you predictable healthcare costs and flexibility.
What Does Medigap Cover?
A Medicare Supplement helps cover certain healthcare costs that Original Medicare doesn't—like copayments, coinsurance, and deductibles. These plans work alongside Medicare Parts A and B, giving you more predictable out-of-pocket costs
- Part A deductible and hospital costs
- Part B coinsurance or copayments
- Blood (first 3 pints)
- Skilled nursing facility care coinsurance
- Foreign travel emergency care (with some plans)
Why Choose a Medigap Plan?
Choosing a Medigap plan gives you greater control, flexibility, and peace of mind when managing your healthcare costs. These plans are designed to fill the coverage gaps in Original Medicare and help you avoid unexpected medical bills.
- More predictable costs – Helps avoid unexpected bills
- Freedom to choose any doctor who accepts Medicare
- Nationwide coverage – Great for those who travel
- Guaranteed renewability – Your plan can’t be canceled if you pay your premium
- Piece of Mind - Fewer surprise charges or out-of-pocket expenses
Standardized Plans
What Medigap Plans Are Available?
Medigap plans are standardized insurance policies designed to work alongside Original Medicare (Part A and Part B). These plans are regulated by the federal government, which means the benefits of each plan are consistent no matter which insurance company offers them. For example, a Plan G from one company must offer the same core benefits as a Plan G from another. This standardization makes it easier for beneficiaries to compare options based on price, customer service, and company reputation—without worrying about differences in coverage. Understanding this helps ensure you make an informed, confident decision when selecting a Medigap plan.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (up to 365 days after Medicare benefits are used up) | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 |
| Part B coinsurance or copayment | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 50% | 75% | 🟧 | 🟧* |
| Blood (first 3 pints) | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 50% | 75% | 🟧 | 🟧 |
| Part A hospice care coinsurance or copayment | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 50% | 75% | 🟧 | 🟧 |
| Skilled nursing facility care coinsurance | 🟧 | 🟧 | 🟧 | 🟧 | 50% | 75% | 🟧 | 🟧 | ||
| Part A deductible | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 50% | 75% | 50% | 🟧 | |
| Part B deductible | 🟧 | 🟧 | ||||||||
| Part B excess charges | 🟧 | 🟧 | ||||||||
| Foreign travel emergency (up to plan limits) | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | 🟧 | ||||
| Out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | N/A | $7,060 | $3,530 | N/A | N/A |
*Plans C and F are only available to individuals who were eligible for Medicare before January 1, 2020.
*Out-of-pocket limits for Plans K and L are for 2025 and may change annually.
Enrollment Periods
When Can You Enroll in a Medigap Plan?
Enrollment in a Medigap plan can be done in one of two ways: through health underwriting or during periods when underwriting is not required. In certain situations you can enroll without answering health questions.
Medigap Open Enrollment Period
The Medigap Open Enrollment Period is a critical window for individuals seeking supplemental coverage to fill the gaps in Original Medicare (Part A and Part B). This one-time, six-month period begins the first month an individual is both 65 or older and enrolled in Medicare Part B. During this time, beneficiaries have a guaranteed issue right, meaning they can purchase any Medigap (Medicare Supplement) plan available in their area without being denied coverage or charged higher premiums due to pre-existing conditions.
Underwritten Applications
Applying for a Medigap policy can be done anytime. However, unless you apply during your Medigap Open Enrollment Period or with a guaranteed issue right, insurance companies are allowed to use medical underwriting to evaluate your health history before approving your application. This means they can ask detailed questions about your current and past health conditions, medications, recent treatments, surgeries, or hospitalizations. Based on your responses, they may approve or deny coverage, impose waiting periods for pre-existing conditions, or charge higher premiums.
Losing Coverage
If your employer group health plan ends or you lose retiree coverage.
Moving Out of Area
If you relocate and your plan no longer provides coverage in your new area.
Misled by Insurer
If your insurer misled you or broke the rules – You can switch and purchase a Medigap plan.
Leave Medicare Advantage
If it's your first time in a Medicare Advantage plan, you have 12 months to switch to a Medigap.
Need more information on enrollment periods?
Download our free guide for a complete list of Medicare Supplement enrollment periods and Guaranteed Issue rights — everything you need to make an informed decision.
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