Medicare Supplements

Medigap plans (also known as Medicare Supplements) are plans offered by private insurance companies to supplement a beneficiary’s Medicare insurance, and fill in the “gaps” in coverage left by Original Medicare (like coinsurance, copayments, and deductibles). Many even offer foreign travel coverage (up to plan limits) which Medicare itself does not. To qualify for a Medigap plan, you must have both Medicare Parts A and B. A Medigap plan does not work in conjunction with a Medicare replacement plan, like a Medicare Advantage Plan.

Medigap plans are assigned a plan letter, each offering varying levels of coverage, and are standardized across the industry, meaning any insurance company that offers a plan, must cover the same benefits as any other company offering that same plan. Currently, there are a total of 11 available Medigap policies (Plan A, B, C, D, F, high deductible F, G, K, M, an N). See the chart below to see what each Medigap policy covers.


* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,300 before your Medigap plan pays anything.

** 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.

*** 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.


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