Medicare Supplement Plans | Coverage & Benefits

Medicare Supplement (Medigap) plans are private insurance policies that work alongside Original Medicare (Part A and Part B) to help cover the costs Medicare doesn’t pay, such as deductibles, copayments, and coinsurance.

These plans give you more predictable out-of-pocket costs and the freedom to see any doctor or specialist that accepts Medicare — no referrals required.

What are Medicare
Supplement Plans?

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Types of Medicare Supplement (Medigap) Plans

Popular Choice

Comprehensive coverage with only the Medicare Part B deductible remaining.
Lower Monthly Premium

Offers the same benefits as Plan G after the annual deductible is met.
Lower Premium Option

Lower monthly premiums with modest copays for certain office and ER visits.
Most Comprehensive Plan

Covers nearly all Medicare-approved out-of-pocket costs.
Only available to those eligible for Medicare before January 1, 2020.

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Benefits of Medicare Supplement
(Medigap) Plans

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Each Medigap plan letter offers the same basic benefits no matter which insurance company you choose.
Helps pay for costs Original Medicare doesn’t cover, including deductibles, coinsurance, copayments, and more.
As long as you pay your premiums, your policy is guaranteed renewable. Insurance companies cannot cancel your coverage or raise rates due to health conditions.
See any doctor or specialist who accepts Medicare — no networks or referrals required.

When to Enroll in a Medicare Supplement (Medigap) Plan

Getting Started with Medicare

Before enrolling in a Medicare Supplement plan, you generally need to be enrolled in Original Medicare (Part A and Part B).
Medigap Open Enrollment Period

Your 6-month Medigap Open Enrollment Period begins when you're 65 or older and enrolled in Medicare Part B. During this time, you can enroll in a Medicare Supplement plan without medical underwriting.
Guaranteed Issue Rights

In certain situations, you have guaranteed issue rights, allowing you to purchase a Medicare Supplement plan without answering health questions.
Applying After Open Enrollment

You can apply for a Medicare Supplement plan at any time. In most cases, you may be required to answer health questions, and acceptance is subject to medical underwriting.