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Medigap Plans

Medigap plans are offered by private health insurance carriers. They provide additional coverage and help close the “gap” between what Medicare Part A and Part B pays and what you would have to pay for out-of-pocket. Medigap plans are also known as Medicare Supplement plans.

The best time to enroll in a Medigap plan is when you first qualify for Medicare Part A and Part B. The Medigap Enrollment Period begins on your 65th birthday and lasts for 6 months after you turn 65. During this time, private insurance companies are required by law to offer you a Medigap plan. They also cannot increase your premiums because of pre-existing conditions. Those who are under 65 years old may be eligible to enroll if they have a qualifying disability. If you miss the Medigap Enrollment Period, you may still have an opportunity to get a Medigap policy, but carriers may require you take a physical exam. Based on the results, they can increase your premiums or even deny you coverage if you have a pre-existing condition. If you find yourself having to pay a higher premium or are denied coverage, don’t give up. Some carriers may still enroll you at a competitively lower rate.

Medigap: Coverage and Costs

There are 10 “letter” Medigap plans. They are Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N.

In most states, each Medigap plan will have the same standardized coverage and benefits per letter category. For example, Plan N will have the same level of coverage in California as it would in New York. Though the coverage is standardized, their availability can differ from state to state, and carrier to carrier.

Depending on the plan you select, most Medigap plans may help pay for:

  • Medicare Part A and Part B deductibles, such as the $1,364 deductible for Part A.
  • Coinsurance when visiting the doctor, such as covering the 20% of out-of-pocket costs that Medicare Part A and Part B does not pay for.
  • Overseas emergency health care.

Plan A tends to have the lowest premiums, however you may end up paying more out-of-pocket on deductibles, copays, and coinsurance costs. By comparison, Plan F tends to have the highest premiums, but offers the most comprehensive set of benefits, which may result in minimal out-of-pocket costs.

Quick Facts:

  • Generally speaking, the more coverage you purchase, the higher your monthly premium. But if you think you’ll use your plan frequently, like going to regular doctor appointments for example, you may save money in the long-run since you’ll have lower out-of-pocket costs.
  • Rates and availability can vary by carrier and by state.
  • The plans are all standardized into 10 “letter” plans, and their coverage does not vary by carrier and state.
  • You must be enrolled in Medicare Part A and Part B to get a Medigap plan.
  • The best time to enroll is during the Medigap Enrollment Period, which begins on your 65th birthday and ends 6 months after you turn 65. It may be harder to get a Medigap plan at a competitive rate after the enrollment period. Individuals under the age of 65 may be eligible to enroll if they are disabled.

Please submit your zip code to start comparing Medigap plans. You can also call (833) 596-1919 TTY users 711  Mon - Fri: 6am - 5pm, Sat: 5am - 8pm PT to speak with a licensed insurance agent.

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Third Party Material (TPMO) ( We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.