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Medicare Supplement Plans
A Medicare Supplement Plan — also known as Medigap — is extra insurance you can buy to help cover the “gaps” in Original Medicare (Parts A and B). These gaps include out-of-pocket costs like copayments, coinsurance, and deductibles that Medicare doesn’t fully pay.Â
Unlike Medicare Advantage, a Medigap plan doesn’t replace your Medicare — it works alongside it. You keep all your Original Medicare benefits and get help managing costs, especially for hospital stays or frequent doctor visits.Â
Medigap policies are sold by private insurance companies, but they’re standardized and regulated — meaning Plan G from one company offers the same core benefits as Plan G from another. What changes is the premium and service, not the coverage.Â
Coverage includes:
- Part A coinsurance and hospital costs after Medicare pays its share
- Part B coinsurance or copayments for doctor visits and outpatient care
- Blood (first 3 pints) needed for medical procedures
- Part A hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Part A deductible
- Part B excess charges (for doctors who don’t accept Medicare assignment)
- Foreign travel emergency coverage (up to plan limits)
What Medigap Doesn’t Cover:
Medicare Supplement plans do not include:Â
- Prescription drug coverage (you’ll need a separate Part D plan)
- Dental, vision, hearing, or long-term care services.
Medicare Supplement plans — also known as Medigap — are labeled by letters: Plan A through Plan N. Each plan type is standardized, meaning the benefits are the same no matter which insurance company you buy from. The only differences are the monthly premium and the customer service.Â
Most Popular Plans:Â
Plan G
Offers the most comprehensive coverage available to new Medicare enrollees. It pays for almost all out-of-pocket costs except the Part B deductible.
Plan N
Has slightly lower premiums than Plan G, but you may pay small copays for doctor visits and ER trips.
Learn more about the Standardized Medigap PlansÂ
Why this window matters:
- Guaranteed coverage: You can buy any Medigap plan available in your state, regardless of your health history.Â
- No medical underwriting: Insurers can’t deny you or charge more due to pre-existing conditions.Â
- One-time opportunity: Once this 6-month period ends, these protections usually expire
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