Help with out-of-pocket costs
Depending on the plan, coverage may help pay deductibles, copayments, and coinsurance under Original Medicare.
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Medicare Supplement insurance can help fill some of the gaps in Original Medicare.
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Know your options. Make your choice with confidence.
Also known as Medigap, Medicare Supplement plans are offered by private insurance companies to help pay certain costs that Original Medicare does not. We’ll help you make sense of the choices.
A range of standardized plans
Benefits are standardized by plan letter in most states, though premiums and availability can vary by insurer and location.
Keep Original Medicare
A Supplement works alongside Original Medicare Parts A and B; it does not replace them.
Consider your timing
Your Medicare Supplement open enrollment period can be an important time to explore your options.
A closer look
The details worth understanding
What a Medigap policy helps pay
A Medicare Supplement policy works with Original Medicare to help pay your share of covered Part A and B costs. Depending on the lettered plan, that may include coinsurance, copayments, and certain deductibles. Plans do not usually cover routine dental, vision, hearing aids, or long-term care.
Standardized benefits, different prices
In most states, each plan letter offers the same basic benefits regardless of the insurer. Premiums, customer service, and pricing methods can differ, so comparing the same plan letter across companies matters. Massachusetts, Minnesota, and Wisconsin standardize plans differently.
Understanding Plan G and Plan N
Plan G covers many Original Medicare cost-sharing expenses after you pay the Part B deductible. Plan N may have a lower premium, but you can owe certain office or emergency-room copayments and Part B excess charges where allowed. What is best depends on your budget and care needs.
Know your enrollment window
Your six-month Medigap Open Enrollment Period begins the first month you are 65 or older and enrolled in Part B. During this period, insurers generally cannot deny a policy or charge more because of your health. Outside it, medical underwriting may apply unless you have another guaranteed-issue right.
How it works with prescription coverage
Medigap plans sold today do not include Part D prescription coverage. If you want drug coverage, you can usually add a standalone Part D plan while keeping Original Medicare and your supplement.
What to compare before deciding
Look at the monthly premium, expected cost sharing, how the premium may change as you age, the company behind the policy, and whether a standalone Part D plan is needed. Plan availability and pricing vary by state and ZIP code.
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Common questions
Good questions deserve clear answers.
Every situation is different. These answers are a starting point, and we’re happy to talk through yours.
What is the difference between a Supplement and Medicare Advantage?
A Supplement adds to Original Medicare and helps with some of its cost sharing. Medicare Advantage is an alternative way to receive Part A and B benefits through a private plan. You cannot use a Medigap policy to pay Medicare Advantage costs.
Which Medigap plan is most popular?
Plan G is a commonly chosen option for people newly eligible for Medicare, but popularity does not determine which plan fits you. Compare premiums and the costs you may pay when receiving care.
Does Medigap cover prescription drugs?
Policies sold today generally do not include prescription drug coverage. If you want that coverage, compare standalone Medicare Part D plans separately.
Can I switch Medigap plans later?
You may apply to switch, but after your initial open enrollment period an insurer can often use medical underwriting or deny coverage unless you have a guaranteed-issue right. Rules vary by state, so check before canceling an existing policy.
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