Medicare Supplement Plans
Medicare Supplement plans, or Medigap, help cover out-of-pocket costs from Original Medicare (Parts A & B), such as copayments, coinsurance, and deductibles for hospital stays, doctor visits, and skilled nursing care. Some Medigap plans also provide emergency coverage while traveling abroad.
As of 2025, there are 12 different Medigap plans, each offering different levels of coverage. Comparing them side by side can help you choose the best fit for your needs.
However, Medigap does not cover long-term care, dental, vision, hearing aids, or prescription drugs (Part D covers medications).
The 12 Medigap Plans
Medicare Supplement (Medigap) plans are labeled A through N, each offering different coverage. No matter which plan you choose, all Medigap plans help pay for out-of-pocket costs like deductibles, copays, and coinsurance that Original Medicare doesn’t fully cover.
PLAN A
All insurance carriers that sell Medigap plans are required to offer Medigap Plan A. This plan provides the most basic coverage among Medigap options.
PLAN B
Plan B provides slightly more coverage than Plan A, including coverage for the Medicare Part A inpatient deductible.
PLAN C
Plan C includes all benefits except coverage for Medicare Part B excess charges.
PLAN D
Plan D covers all benefits under Original Medicare except the Part B deductible and Part B excess charges.
PLAN F
Plan F offers the most comprehensive coverage, often referred to as first-dollar coverage since there are no out-of-pocket costs beyond the monthly premium. However, this plan is only available to individuals who turned 65 before January 1, 2020.
PLAN G
If you're not eligible for Plan F, Plan G is a great alternative. It's one of the most popular Medigap plans and covers everything except the Part B deductible.
HIGH DEDUCTIBLE PLAN G
This plan is identical to Plan G but comes with a lower monthly premium in exchange for a higher deductible.
PLAN K
Plan K covers only 50% of certain benefits that other plans fully cover.
PLAN L
Plan L covers 75% of certain benefits that other plans fully cover.
PLAN M
Plan M covers only 50% of the Part A inpatient deductible and does not include coverage for the Part B deductible or Part B excess charges.
PLAN N
Plan N is one of the more popular Medigap plans, offering coverage for most expenses except the Part B deductible and Part B excess charges. It does include small copays.
Why do I need Medicare Supplement insurance?
Medicare Supplement insurance (Medigap) is optional, but it helps many people manage out-of-pocket costs that Original Medicare doesn’t fully cover. Since Medicare beneficiaries pay 20% of outpatient expenses, Medigap can ease financial stress.
Here’s why a Medigap plan may be useful:
● Helps Cover Costs – Pays for copays, coinsurance, and deductibles that Medicare leaves behind.
● Predictable Expenses – Provides consistent monthly costs , making it easier to budget for healthcare.
● No Network Limits – See any doctor or specialist who accepts Medicare, with no referrals needed.
Check our Medicare Supplement Plan Comparison page for additional information.
Medigap benefits
Medigap policies are popular among Medicare beneficiaries because they can include benefits that help pay health care costs Original Medicare doesn’t, like:
● Copayments
● Coinsurance
● Deductibles
● Medical care when you travel outside the U.S.
Other advantages can include:
● Choice of own doctors and hospitals
● No referrals to see a specialist
● Some plans have zero out-of-pocket expenses
● Once you have a policy, you can’t be removed for health problems
Do Medicare Supplement (Medigap) Plans Offer Guaranteed Coverage?
Yes, but only in certain situations. If you lose employer health coverage, you may qualify for a 63-day guaranteed issue period to enroll in a Medicare Supplement (Medigap) plan without denials or higher costs due to health conditions.
During this period, you can choose from specific plans (A, B, C, F, K, or L). Some states offer additional guaranteed issue rights.
What happens if I miss Medigap open enrollment?
If you miss your Medicare Supplement (Medigap) open enrollment period, you might not be able to get a plan later unless you qualify for a Special Enrollment Period (SEP).
You may qualify for an SEP if you:
● Lose other health coverage (like employer insurance)
● Move to a new area where your plan isn’t available
● Have other special life events
If you don’t qualify for an SEP, you might have to go through medical underwriting or wait for another enrollment period.
Get the Latest on 2025 Medicare Costs
Medicare costs can change each year, so it's important to stay informed. Knowing how these costs are calculated helps you choose the best plan for your needs. Medicare Supplement (Medigap) plans can help cover extra costs like copays, deductibles, and coinsurance that Original Medicare doesn’t fully pay.
Want to make sure you're getting the best coverage at the right price?
Our team at MAC Insurance can review your plan and help you find the best option for 2025.
Medicare Supplements
Comparing
MEDIGAP PLANS
While there’s plenty of information online about each plan, getting an accurate quote requires assistance from a licensed Medicare agent. Rather than contacting multiple insurance carriers individually, we can compare premiums from various providers to help you find the best rate. To provide a quote, we'll need some details from you, as premiums are based on your information and health history, but our services are completely free!
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