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Medigap Insurance Plans
Medigap insurance plans, also known as Medicare Supplement plans, help cover gaps in coverage from Medicare Part A and Part B. If you have fairly frequent doctor or hospital visits, Medicare Parts A and B (Original Medicare) come with out-of-pocket costs. Medigap plans help to fill in these gaps with basic benefits, such as deductibles, coinsurance and copayments. The monthly premium cost can vary depending on the type of Medigap coverage, but the premium cost is typically offset by lower annual out-of-pocket costs for healthcare services.
Learn more about Medigap insurance:
Compare Medigap Plans
In most states, there are eight Medicare Supplement plans to choose from and all policies have been standardized. That means there is no difference in the benefits offered between Medicare Supplement insurers. 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 plans sound familiar to the parts of 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 between each standardized Medigap plan:
|Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up)||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Part B coinsurance or copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Blood (first 3 pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A hospice care coinsurance or copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled nursing care coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Part B deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Part B excess charge||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign travel exchange (up to plan limits)||No||No||No||No||Yes||Yes||No||No||No||No|
|Out-of-pocket limit**||N/A||N/A||N/A||N/A||N/A||N/A||$6,620 in 2022||$3,310 in 2022||N/A||N/A|
* 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 $2,490 in 2022 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.
Let Us Compare Medigap Plans For You
At SelectQuote, we can compare Medigap plans from highly-rated Medicare insurance companies. Enter in your zip code below to get started on your free Medigap insurance quote.
Is a Medicare Supplement plan worth it?
For many, it’s worth considering a Medicare Supplement plan because it can help ease the burden of out-of-pocket costs that aren’t covered with Original Medicare. At SelectQuote, we can help you compare Medicare Supplement Plans to ensure you’re finding the one that’s right for you and your needs. Until then, take the time to explore the specific plan pages below:
Medicare Supplement Plan Benefits
Each of the eight plans provide various Medicare Supplement plan benefits, but all plans must cover at least a portion of the following basic benefits:
- Medicare Part A coinsurance costs up to an additional 365 days after Medicare benefits are exhausted
- Medicare Part B hospice care coinsurance and copayments
- Medicare Part B coinsurance or copayments
- First three pints of blood used in a medical procedure
- Some Medicare Supplement plans include additional basic benefits, such as Plan G, which is the most comprehensive standardized Medigap insurance plan available.
Another important benefit of a Medigap plan is that you can see any doctor accepting Medicare, whether the doctor accepts assignment Medicare or not. If your doctor accepts an assignment, this means they agree to be paid the Medicare approved amount for the care you received and your Medigap insurance company will usually pay the doctor directly. If your doctor does not accept Medicare assignment and still accepts Medicare, you may have to send the claims to your insurance company and pay the doctor yourself.
3 Things to Consider Before Medicare Supplement Enrollment
As you prepare to sign up for a Medicare Supplement plan it is 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 or Medigap policy.
- A Medicare Supplement 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 or Medigap policies. If you find a supplement plan that works for you, you can buy a Medicare Prescription Drug Part D plan for your prescription medication needs.
- Medigap policies generally do not cover vision or dental care, hearing aids, eyeglasses, long-term care or private nursing.
- Not all plans may be available in every state.
- Medicare Supplement and Medicare Advantage (Part C) are different types of plans.
2. Medicare Supplement Insurance Coverage
- You are eligible to purchase a Medicare Supplement 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.
- The most popular Medicare Supplement plans are Plan G and Plan N.
- Plan G is considered to provide the broadest medicare supplement coverage and covers all the gaps left by Medicare Parts A and B.
- You pay the private insurance company a monthly premium for your Medicare Supplement 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 policy as long as you pay the premium.
3. Compare Medicare Supplement Insurance vs. Medicare Advantage Plan
Before you enroll in a Medicare Supplement plan, you’ll want to make sure you understand the difference between Medicare Advantage vs. Medicare Supplement. Here’s a brief overview of the differences between the two:
- Intended to fill the gaps in coverage from Original Medicare (Part A and Part B)
- Typically a higher monthly premium, lower out-of-pocket expenses
- Provides coverage for any doctor or facility that accepts Medicare
- Provides coverage in all 50 states, with some plans providing coverage when traveling outside of the U.S.
- An alternative to Original Medicare (Part A and B)
- Generally costs less than Medicare Supplement and often covers 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
Medigap Plan Costs
If you apply for a Medicare Supplement plan, you will pay a monthly premium to the insurance company in addition to your Medicare Part B premium. Medicare Supplement plan costs depend on a number of factors, including the type of plan you buy, the insurance company, your location and your age. Premiums vary among insurance companies, but the benefits of each standard Medigap plan is always the same. For instance, a Medigap Plan C policy offers the same benefits no matter which company you buy it from.
While insurance companies are required to offer the same benefits for each plan, Medigap policies can be priced in three ways:
- 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.
At SelectQuote, we can walk you step-by-step through the comparing and shopping process to find the Medicare Supplement plan that’s right for you. Save yourself time and let us do the comparing—there’s no obligation to enroll.
Sign Up for a Medicare Supplement Plan in Your State
Medicare Supplement Insurance plans are available from private insurance companies throughout all states. As an advocate, we can guide you through your Medigap plan options and answer any questions throughout the process. We can help you compare Medicare insurance plans in your state to find the right plan for your needs and budget. 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.
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Find the Right Medicare Supplement Plan to Fit Your Needs with SelectQuote
Save yourself the time and hassle of navigating your Medicare options on your own by letting SelectQuote do the work for you. In just minutes, we can compare the Medicare plan options available to you, helping you find the right plan for your needs and budget.