Medicare Supplement Plans - Complete Coverage Guide

Medicare Supplement Insurance Made Simple

Get the coverage you deserve. Fill the gaps in Original Medicare with comprehensive supplement plans.

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What Are Medicare Supplements?

Also known as Medigap, these plans help cover costs Original Medicare doesn't

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Fill the Gaps

Medicare Supplement Insurance (Medigap) helps pay costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

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Predictable Costs

Know exactly what you'll pay each month. Avoid surprise medical bills and budget with confidence for your healthcare expenses.

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Travel Freely

Most plans cover emergency care when you travel outside the United States, giving you peace of mind wherever you go.

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Any Provider

See any doctor or specialist that accepts Medicare. No networks, no referrals needed. Your choice, your freedom.

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Guaranteed Renewal

As long as you pay your premium, your coverage can't be cancelled. Protect yourself from unexpected healthcare costs.

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Standardized Plans

Plans are standardized by the government, so Plan G from one company offers the same benefits as Plan G from another.

Most Popular Medicare Supplement Plans

Today's top choices for comprehensive coverage

Plan F
Grandfathered

The most comprehensive plan. Covers all Medicare gaps including Part A & B deductibles and excess charges. Only available if you were eligible for Medicare before January 1, 2020.

Plan G
Most Popular

Nearly identical to Plan F but doesn't cover the Part B deductible. The most comprehensive plan available to new Medicare beneficiaries. Covers Part A & B coinsurance, excess charges, and foreign travel emergency.

High Deductible G
Low Premium

Same comprehensive coverage as Plan G but with a high deductible ($2,800 in 2024). You pay costs up to the deductible, then the plan covers everything. Great for healthy seniors wanting lower monthly premiums.

Plan N
Best Value

Excellent coverage with lower premiums. Small copays for doctor visits (up to $20) and ER visits (up to $50). Doesn't cover Part B deductible or excess charges. Perfect balance of coverage and affordability.

How Medicare Supplements Work

Understanding the process is simple

1

You Need Parts A & B

You must be enrolled in Original Medicare (Parts A and B) to purchase a Medigap policy. Medicare Advantage members cannot have Medigap.

2

Choose Your Plan

Select the plan that fits your healthcare needs and budget. Plans are standardized, so benefits are the same across insurance companies.

3

Medicare Pays First

When you receive care, Medicare pays its share of approved costs first. Then your Medigap policy pays its share according to your plan.

4

You Pay Less

Your out-of-pocket costs are reduced or eliminated depending on your plan. No claims to file – your doctors handle the paperwork.

Frequently Asked Questions

Get answers to common Medicare Supplement questions

When can I enroll in a Medicare Supplement plan? +
The best time to buy is during your Medigap Open Enrollment Period, which lasts 6 months and begins when you're 65 or older and enrolled in Medicare Part B. During this period, you have guaranteed issue rights, meaning companies can't deny you coverage or charge more due to health conditions. Outside this period, you may face medical underwriting.
What's the difference between Plan G and Plan N? +
Plan G covers almost everything except the Part B deductible, offering comprehensive coverage with no copays. Plan N has lower premiums but includes small copays (up to $20 for doctor visits and up to $50 for emergency room visits that don't result in admission). Plan N doesn't cover Part B excess charges.
Can I switch Medicare Supplement plans? +
Yes, you can switch plans at any time, but you may have to go through medical underwriting unless you qualify for a guaranteed issue right. Insurance companies can deny coverage or charge higher premiums based on your health status when you're outside your initial enrollment period.
Does Medicare Supplement cover prescription drugs? +
No, Medigap policies don't cover prescription drugs. You'll need to enroll in a separate Medicare Part D prescription drug plan for medication coverage. It's illegal for insurance companies to sell you a Medigap policy that includes prescription drug coverage.
Are premiums the same for all insurance companies? +
No, premiums can vary significantly between companies even though benefits are standardized. Some companies use attained-age pricing (premiums increase as you age), issue-age pricing (based on age when you buy), or community-rated pricing (same for everyone). Always compare multiple companies.
Can I use my Medicare Supplement plan anywhere? +
Yes! One of the biggest advantages of Medigap is that you can see any doctor or specialist in the United States that accepts Medicare. There are no networks, no referrals needed, and you have complete freedom to choose your healthcare providers.

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