Medicare Supplements

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Medicare Supplement Insurance — often called Medigap — helps cover the out-of-pocket costs left after Original Medicare (Parts A and B) pays its share. These plans are offered by private insurance companies and are designed to protect you from unexpected healthcare expenses like deductibles, copayments, and coinsurance.

With a Medigap plan, you can enjoy greater financial security and more predictable healthcare costs.

Every Medigap policy is standardized by the federal government. Plan G from one company offers the same benefits as Plan G from another — only the price and customer service differ.

Medigap Plan: 

Plan G

-Covers everything except the Part B deductible

-Most comprehensive coverage available for new enrollees

Plan N

-Lower premiums, small copays for office visits and ER visits

-Those willing to trade small out-of-pocket costs for savings

Plan A

-Basic benefits, no Part A deductible coverage

-People wanting minimum supplement coverage

Plan F

-Covers all Medicare-approved costs

-Only available to those eligible before January 1, 2020

Important: Plan F is closed to new Medicare beneficiaries starting January 1, 2020, but existing enrollees can keep it.

The best time to enroll is during your Medigap Open Enrollment Period:

• Starts: The month you’re both 65 or older and enrolled in Medicare Part B.
• Lasts: 6 months.
• Benefit: During this time, insurance companies cannot deny you coverage or charge you more based on health issues.

If you miss this window, you may have to pass medical underwriting to qualify.