Medicare Supplement (Medigap)

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Medigap pays what Original Medicare leaves you.

Original Medicare covers most of your care but not all of it. Medigap plans pick up the deductibles and coinsurance, so your costs are predictable and you keep access to any provider who accepts Medicare.

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The Basics

Standardized plans, very different prices.

Medigap plan letters are standardized. A Plan G from one carrier covers exactly the same things as a Plan G from another. What differs is the premium and how sharply that carrier raises rates over time.

That makes shopping worthwhile in a way it rarely is elsewhere in insurance. Same benefits, different price, and we can compare across carriers in one sitting.

  • Any provider nationwide who accepts Medicare
  • No networks and no referrals
  • Predictable costs, which suits frequent care or travel
  • Requires a separate Part D drug plan

The Window That Matters

Your Medigap open enrollment is a one-time period beginning when you enroll in Part B at 65 or later. During it, carriers cannot decline you or charge more for health conditions. After it closes, most applications require medical underwriting. This is the single most important deadline in Medicare, and it does not come back.

What It Covers

The gaps Medigap fills

Part A Coinsurance

Hospital coinsurance and additional days after Medicare benefits are used.

Part B Coinsurance

The share of doctor and outpatient costs Medicare does not pay.

Part A Deductible

The hospital deductible, which applies per benefit period rather than annually.

Skilled Nursing

Coinsurance for skilled nursing facility care after a qualifying stay.

Foreign Travel

Emergency care abroad on most plan letters, which Original Medicare excludes.

Blood & Hospice

First pints of blood and hospice coinsurance amounts.

Common Questions

Medigap FAQs

Which plan letter should I choose?
Plan G and Plan N are the most commonly purchased for people newly eligible, with high-deductible versions available if you want a lower premium. The right letter depends on how much predictability you want versus how much premium you want to pay.
Since plans are standardized, why use an agent?
Because prices are not standardized and neither are rate increase histories. Two carriers offering identical Plan G coverage can differ meaningfully in premium, and in how aggressively they raise it in later years.
Do I need a drug plan too?
Yes. Medigap does not include prescription coverage, so you also enroll in a standalone Part D plan. Going without one can create a lifetime late enrollment penalty.
Can I switch carriers later?
You can apply anytime, but outside your open enrollment window most carriers require medical underwriting and can decline you. Worth reviewing your rate annually and applying while you are healthy.

Let’s compare Medigap rates.

Same coverage across carriers. The price is what differs.

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