Choosing Medicare Supplement Insurance (Medigap)
Medigap policies offer coverage through private insurance carriers and help pay for out-of-pocket costs you have with Original Medicare, such as copays and deductibles. You must have Original Medicare to enroll in a Medigap policy, and you can’t have coverage through a Medicare Advantage plan. There are 10 standardized Medigap policies with lettered names.
Compare Medigap Policies
Note: Plan C and Plan F aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled. Read Medigap Changes to Plan F and Plan C to learn more.
*Plans F & G offer a high deductible plan in some states.
**Plans K & L show how much they'll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet them, the plan will pay 100% of your costs for approved services.
***Plan N pays 100% of the costs of Part B services, except for copayments for some office visits and some emergency room visits.
Reasons to Consider Keeping Original Medicare and Adding a Medigap Policy
The flexibility to go to any doctor or hospital that accepts Medicare
The ability to visit specialists without being required to get a referral from a primary care physician
Your monthly premium may be a bit higher with a Medigap policy, but it covers most or all of your out-of-pocket medical costs