Supplemental coverage that fills the gaps Original Medicare leaves open.
Original Medicare covers a lot, but not everything. Medigap policies help cover the deductibles, copays, and coinsurance that would otherwise come out of your pocket.
Get a QuoteHow Medicare Supplement plans work.
Medigap plans are standardized (labeled with letters like Plan G or Plan N) and sold by private insurers to work alongside Original Medicare, covering costs like copays and deductibles that Medicare alone doesn’t.
Because plans with the same letter offer the same standardized benefits regardless of carrier, choosing a Medigap plan often comes down to price and carrier reputation rather than differences in coverage.
- Helps cover deductibles, copays, and coinsurance
- Standardized benefits make comparing plans straightforward
- Works alongside Original Medicare, not as a replacement
- Generally lets you see any provider who accepts Medicare
Commonly Chosen Plans
- • Plan G
- • Plan N
- • Plan F (for those already eligible)
- • High-deductible Plan G
Core elements of Medigap coverage
Standardized Benefits
Each lettered plan offers the same core benefits no matter which carrier sells it.
Deductible & Coinsurance Coverage
Helps pay costs that Original Medicare leaves as your responsibility.
Provider Flexibility
Generally allows you to see any provider nationwide who accepts Medicare.
No Networks
Unlike Medicare Advantage, Medigap plans typically don’t use provider networks.
Guaranteed Renewable
Coverage that renews each year as long as you pay your premium.
Enrollment Timing
Understanding your Medigap open enrollment window to get the best rates.
Medigap FAQs
What’s the best time to buy a Medigap policy?
Can I have both a Medigap plan and Part D?
Can I switch from Medicare Advantage to a Medigap plan?
Let’s talk about your medigap coverage.
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