Choosing a Medicare Supplement (Medigap) plan can feel overwhelming. With 10 different plan options, how do you know which one covers what?
This guide simplifies your decision with a side-by-side Medicare Supplement Plan Chart and answers to common questions.
- Understand what each Medigap plan covers
- Compare plans with a simple, interactive chart
- Find the best plan for your needs and budget
Ready to compare? Check out the Medicare Supplement Plan Chart below:
How to Read the Medicare Supplement Plan Chart
The chart is organized to help you understand how each Medigap plan addresses specific out-of-pocket costs:
- Left-Hand Column: Lists various Medicare Part A and Part B expenses, including deductibles, copayments, and coinsurance amounts.
- Plan Columns (A, B, C, etc.): Each column corresponds to a specific Medigap plan and indicates the percentage of each expense that the plan covers.
For example, if Plan G shows “100%” under “Part A Deductible,” it means Plan G fully covers the Part A deductible.
What Is a Medicare Supplement Plan?
Medicare Supplement plans (Medigap) are private insurance policies that help pay for out-of-pocket costs not covered by Original Medicare (Part A & Part B). These costs include the deductibles, copays, and coinsurance built into Part A and B services.
How Much Do Medicare Supplement Plans Cost?
The cost of a Medicare Supplement (Medigap) plan varies based on several factors, including:
- Plan type – More comprehensive plans (like Plan G) tend to have higher premiums, while cost-sharing plans (like Plan K & L) have lower premiums.
- Your age & location – Prices differ by state and whether premiums increase with age (community-rated vs. issue-age-rated vs. attained-age-rated pricing).
- Insurance provider – Medigap benefits are standardized, but companies set their own prices, so it’s important to compare.
- Discounts & underwriting – Some insurers offer household discounts, but if you apply outside your Medigap Open Enrollment Period, you may face higher premiums or denial based on health conditions.
💰 Want a detailed breakdown of average Medigap costs? Check out our Medicare Supplement Plan Cost Guide.
Key facts about Medigap:
- Plans are standardized nationwide (except in MA, MN, WI).
- They only work with Original Medicare (not Medicare Advantage).
- Plans do not include prescription drug coverage (Part D needed).
- Medigap plans do not cover vision, dental, or long-term care.
How to Choose the Best Medigap Plan
Picking the right Medigap plan depends on your budget, medical needs, and travel habits.
- Low out-of-pocket costs? → Choose Plan G. It covers everything except the Part B deductible.
- Want lower premiums? → Choose Plan N. Some copays apply, but it’s more affordable.
- Prefer cost-sharing? → Choose Plan K or L. These have lower premiums but higher out-of-pocket costs.
- Do you travel abroad? → Choose a plan with foreign emergency coverage, like Plan G or Plan N.
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Medicare Supplement Enrollment Periods and Eligibility
Timing matters when signing up for a Medicare Supplement (Medigap) plan. Choosing the right enrollment period can help you avoid higher premiums or even being denied coverage.
Medigap Open Enrollment Period
- Begins when you first enroll in Medicare Part B at age 65 or older.
- Lasts for six months.
- You have guaranteed issue rights during this period – meaning no medical underwriting or health questions.
- Once this window closes, you may need to go through medical underwriting to get a policy.
📅 Learn more about the Medigap Open Enrollment Period.
Guaranteed Issue Rights
- You may qualify for a special enrollment period if you lose other health coverage, such as employer-based Medicare coverage.
- Some states offer additional guaranteed issue rights beyond federal protections.
- Applying during a guaranteed issue period means insurers must accept you, regardless of health conditions.
✅ Find out when you qualify for guaranteed issue rights.
FAQs: Medicare Supplement Plan Chart
Which Medicare Supplement plan is the most popular?
Plan G is the most comprehensive plan for new enrollees, while Plan N is a budget-friendly option.
What is the cheapest Medicare Supplement plan?
Plan K and Plan L have lower monthly premiums but require cost-sharing.
Can I switch Medigap plans later?
Yes, but in most states, medical underwriting applies unless you qualify for a guaranteed issue right.
Are Medicare Supplement plans the same in every state?
Most states follow standardized Medigap plans, but Massachusetts, Minnesota, and Wisconsin have different systems.
What if I need help choosing a Medigap plan?
We can help! Compare Medicare Supplement plans and find the best option for your needs below.
Compare Medigap Plans & Get a Free Quote
📢 Want to explore your Medigap options? Get a free quote below!