Medicare Supplement (Medigap) Plans
Fill the gaps in Original Medicare with standardized supplemental coverage. No networks, predictable costs, and nationwide acceptance.
What Is Medicare Supplement (Medigap)?
Medicare Supplement Insurance (Medigap) is a type of private health insurance that works alongside Original Medicare (Parts A & B) to help pay for out-of-pocket costs that Medicare doesn't cover - including deductibles, coinsurance, and copayments.
Medigap plans are federally standardized, meaning each plan letter (A through N) offers the same benefits regardless of which insurance company sells it. The only difference between companies is the premium price and customer service.
Standardized Benefits
Plan G from Company A = Plan G from Company B. Same coverage, guaranteed.
No Networks
See any doctor or hospital in the U.S. that accepts Medicare. No referrals needed.
Predictable Costs
Know exactly what you'll pay each month. No surprise bills from covered services.
How Medigap Works
- 1
You Must Have Original Medicare
You need both Medicare Part A and Part B. Medigap works alongside Original Medicare - it cannot be used with Medicare Advantage.
- 2
Medicare Pays its Share First
When you receive medical care, Original Medicare processes the claim and pays its portion according to standard coverage rules.
- 3
Medigap Covers the Rest
Your Medigap plan then pays some or all of the remaining costs (deductibles, coinsurance, copays) based on your specific plan letter.
- 4
You Pay Your Monthly Premium
You pay a monthly premium to your Medigap insurance company, plus your Part B premium to Medicare. That's typically your only cost.
Medigap Plan Comparison Chart
All 10 standardized Medigap plans at a glance. Plans C and F are only available if you were eligible for Medicare before January 1, 2020.
| Benefit | A | B | C* | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A Hospital Coinsurance | 50% | 75% | ||||||||
| Part B Coinsurance/Copay | 50% | 75% | ✓† | |||||||
| Blood (First 3 Pints) | 50% | 75% | ||||||||
| Part A Hospice Coinsurance | 50% | 75% | ||||||||
| Skilled Nursing Facility | 50% | 75% | ||||||||
| Part A Deductible ($1,736) | 50% | 75% | 50% | |||||||
| Part B Deductible ($283) | ||||||||||
| Part B Excess Charges | ||||||||||
| Foreign Travel Emergency |
*Plans C and F are only available to those eligible for Medicare before January 1, 2020.
†Plan N pays 100% of Part B coinsurance, except for a copay of up to $20 for some office visits and up to $50 for ER visits that don't result in admission.
Explore Each Medigap Plan
Every Medigap plan letter has a dedicated guide covering benefits, costs, pros and cons, and who it's best for.
Plan A
Basic coverage
Plan B
+ Part A deductible
- Legacy
Plan C
Legacy - pre-2020
Plan D
Mid-tier coverage
- Legacy
Plan F
Legacy - pre-2020
- Most Popular
Plan G
Best overall value
Plan K
50% cost-sharing
Plan L
75% cost-sharing
Plan M
50% Part A deductible
- Budget Pick
Plan N
Budget-friendly
- Legacy
HD Plan F
Low premium, high deductible
HD Plan G
Low premium option
Most Popular Medigap Plans
Plan G
The gold standard of Medigap coverage. Plan G covers everything except the Part B annual deductible ($283 in 2026). For most people, Plan G offers the best balance of comprehensive coverage and reasonable premiums.
What Plan G Covers
- Part A hospital deductible ($1,736)
- Part B coinsurance (20%)
- Part B excess charges
- Skilled nursing facility coinsurance
- Foreign travel emergency
- Blood (first 3 pints)
- Hospice coinsurance
- Typical Monthly Premium
- $100 – $300
- Varies by age, location, and insurer
- Your Only Out-of-Pocket Cost
- $283/year
- Part B deductible (the only thing not covered)
Plan N
Budget-FriendlyA cost-effective alternative to Plan G with slightly lower premiums. The trade-off: you'll pay small copays for some office visits (up to $20) and ER visits that don't result in admission (up to $50). Plan N does not cover Part B excess charges.
- Typical Monthly Premium
- $75 – $225
- 15–25% less than Plan G on average
- Additional Costs
- Up to $20 copay for office visits
- Up to $50 copay for ER (no admission)
Plan F
Legacy PlanThe most comprehensive Medigap plan - covers everything, including the Part B deductible. However, it's only available to those who were eligible for Medicare before January 1, 2020, and premiums are typically higher than Plan G.
Medigap Costs & Pricing
Medigap premiums vary based on several factors. The same plan can cost significantly different amounts depending on where you live and which company you choose - so comparing quotes is essential.
| Factor | Impact on Premium |
|---|---|
| Age | Premiums increase with age. Most companies use attained-age pricing. |
| Location (ZIP Code) | Costs vary significantly by state and even county. |
| Gender | Women often pay slightly less than men for the same plan. |
| Tobacco Use | Smokers typically pay 10–25% more in premiums. |
| Insurance Company | Same plan benefits, but premiums can vary 50%+ between companies. |
| Household Discount | Many companies offer 5–10% off if your spouse also enrolls. |
When to Enroll in Medigap
Medigap Open Enrollment Period
Your best and most important window to enroll is your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Part B.
During this period, insurance companies:
- Cannot deny you coverage for any reason
- Cannot charge more due to health conditions
- Must offer you any Medigap plan they sell
- Cannot impose waiting periods for pre-existing conditions
Frequently Asked Questions
Compare Medigap Plans in Your Area
Our licensed agents can compare rates from top Medigap carriers in your area - at no cost to you. Find the best plan and price for your specific needs.