Medicare Supplements (MediGap)
How does Medigap work?
Original Medicare doesn’t pay all of the cost for covered health care servicesand supplies. Medicare Supplement Insurance (Medigap) policies sold by private insurance companies can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles.
Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. Generally, Medigap doesn’t cover long-term care (like care in a nursing home), vision or dental services, hearing aids, eyeglasses, or private-duty nursing.
Medigap plans are standardized
Medigap must follow federal and state laws designed to protect you, and they must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only “standardized” plans, which are named in most states by letters A–D, F, G, and K–N. All plans with the same letter offer the same basic benefits, no matter where you live or which insurance company you buy the policy from. Some offer additional benefits. Compare the benefits of each lettered plan to find one that meets your needs. In Massachusetts,
Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Important!
Medigap plans sold to people who are new to Medicare on or after January 1, 2020 aren’t allowed to cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. However, if you were eligible for
Medicare before January 1, 2020, but haven’t yet enrolled, you may be able to buy Plan C or Plan F. While people new to Medicare on or after January 1, 2020, can’t buy Plans C and F, they have the right to buy Plans D and G (instead of Plans C and F), which provide the same benefits with the exception of coverage for the Part B deductible.
How do I compare Medigap plans?
The chart below shows basic information about the different benefits covered by Medicare Supplement Insurance (Medigap) in 2024. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you’re responsible for the rest.
* Plans F and G also offer a high-deductible plan in some states. You must pay
Medicare-covered costs (coinsurance, copayments, and deductibles) up to the
deductible amount of $2,800 in 2024 before your policy pays anything. (You can’t buy
Plans C and F if you were new to Medicare on or after January 1, 2020. Go to page 75.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly
Part B deductible ($240 in 2024), the Medigap plan pays 100% of covered services for
the rest of the calendar year.
***Plan N pays 100% of the Part B coinsurance. You must pay a copayment of up to $20
for some office visits and up to a $5
Other Services We Offer
Medicare Advantage (Part C)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)