Medicare Supplement (Medigap) Plans
What Are Medicare Supplement Plans?
Medicare Supplement Insurance, also known as Medigap, helps cover the “gaps” in Original Medicare (Parts A and B) — including copayments, coinsurance, and deductibles. These plans are offered by private insurance companies and are designed to help reduce your out-of-pocket costs, so you can focus on your health instead of medical bills.
If you’re enrolled in Medicare Part A and Part B, a Medigap plan can give you predictable costs, nationwide coverage, and peace of mind when it comes to medical expenses.
Why Choose a Medicare Supplement Plan?
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1. Lower Out-of-Pocket Costs
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Medigap plans help pay for expenses not covered by Original Medicare, such as hospital stays, doctor visits, and skilled nursing care.
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2. Freedom to Choose Your Doctors
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With a Medicare Supplement plan, you can visit any doctor or hospital in the U.S. that accepts Medicare — no networks, no referrals.
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3. Guaranteed Renewability
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As long as you pay your premium, your Medigap coverage can’t be canceled — even if your health changes.
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4. Travel Coverage
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Many Medigap plans offer emergency coverage while traveling abroad, so you’re protected even outside the U.S.
Popular Medicare Supplement Plan Options
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There are several standardized Medigap plans to choose from (labeled A through N). The most popular include:
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Plan G – The most comprehensive coverage available for new Medicare enrollees. Covers everything Original Medicare doesn’t, except the Part B deductible.
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Plan N – A lower-premium option that still offers strong coverage, with small copayments for doctor or ER visits.
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Plan F – Available only to those who became eligible for Medicare before January 1, 2020. Offers 100% coverage of Medicare-approved costs.​
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Each plan provides the same benefits nationwide — meaning Plan G from one insurance company offers the same medical coverage as Plan G from another. The only difference is the monthly premium.
Who Should Consider a Medigap Plan?
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A Medicare Supplement plan may be right for you if:
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You want to limit unpredictable medical costs
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You prefer to keep your own doctors without network restrictions
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You travel often within or outside the U.S.
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You don’t want to deal with copays and coinsurance every time you receive care
Get Help Choosing the Right Plan
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Comparing Medicare Supplement plans can feel confusing, but you don’t have to figure it out alone. As a licensed Medicare insurance agent, I can help you compare top-rated Medigap companies, premiums, and coverage options — at no cost to you.