Medicare Supplement Insurance, also called Medigap, is private insurance that helps cover the out-of-pocket costs that Original Medicare (Part A and Part B) does not pay.
These include deductibles, coinsurance, and copayments.
Medigap does not replace Medicare but works alongside it to give beneficiaries more complete coverage.
Why Do People Choose Medicare Supplement Plans?
Original Medicare leaves gaps in coverage that can result in high medical bills.
For example, beneficiaries are responsible for:
- Part A hospital deductible
- Part B annual deductible
- 20% coinsurance for most Part B services
Medicare Supplement Plans reduce or eliminate these costs, giving people predictable healthcare expenses and financial protection.
What Do Medicare Supplement Plans Cover?
Medigap policies typically cover:
- Part A hospital coinsurance and additional hospital days
- Part B coinsurance or copayments
- Blood (first 3 pints)
- Hospice care coinsurance or copayments
- Skilled nursing facility coinsurance
- Foreign travel emergency care (up to plan limits)
Coverage depends on which standardized plan you select.
How Many Medicare Supplement Plans Are Available?
In 2025, there are 10 standardized Medigap plans in most states, identified by letters (A, B, C, D, F, G, K, L, M, and N).
- Plan F (if eligible before January 1, 2020) and Plan G are the most comprehensive.
- Plan N offers lower premiums but requires some copays.
- Plans K and L cover a percentage of costs but have an annual out-of-pocket limit.
Each plan must provide the same benefits nationwide, regardless of the insurer.
Who Can Enroll in a Medicare Supplement Plan?
You are eligible for a Medigap plan if:
- You are enrolled in both Medicare Part A and Part B
- You are within your Medigap Open Enrollment Period (six months starting the month you turn 65 and enroll in Part B)
During this window, you cannot be denied coverage or charged higher premiums due to pre-existing conditions.
What Is Not Covered by Medicare Supplement Plans?
Medigap does not cover:
- Prescription drugs (you need a separate Part D plan)
- Dental, vision, or hearing care
- Long-term custodial care
- Gym memberships or extra perks (these are usually in Medicare Advantage Plans)
It is strictly designed to cover the cost-sharing gaps in Original Medicare.
How Much Do Medicare Supplement Plans Cost in 2025?
The cost of Medigap varies based on:
- The plan you choose (A through N)
- Your age and location
- The insurance company’s pricing method (community-rated, issue-age-rated, or attained-age-rated)
On average, premiums range from $100 to $300 per month in 2025.
How Do You Compare and Buy Medicare Supplement Plans?
To shop for Medigap, you can:
- Use the Medicare Plan Finder
- Contact private insurance companies licensed in your state
- Work with a Medicare broker to compare rates
It’s important to compare premiums and coverage carefully since benefits are standardized, but costs vary widely by insurer.
FAQs
1. Is Medigap the same as Medicare Advantage?
No. Medigap works with Original Medicare, while Medicare Advantage replaces it.
2. Can I have both Medigap and Part D?
Yes. You need a separate Part D plan for prescription drugs if you choose Medigap.
3. Is Plan F still available in 2025?
Only for people who became Medicare-eligible before January 1, 2020.
4. What’s the most popular Medicare Supplement Plan?
Plan G is currently the most popular for new enrollees.
5. Can I switch Medigap plans later?
Yes, but you may be subject to medical underwriting unless you qualify for guaranteed issue rights.
