iHealth Insurance Agency
Medicare Supplement Plans (Medigap)
Medicare Supplement Plans, or Medigap, help cover out-of-pocket costs that Original Medicare (Part A and Part B) does not pay. These costs include deductibles, coinsurance, copayments, hospital expenses beyond Medicare-covered days, and skilled nursing facility care. Some Medigap plans even provide limited coverage for emergency medical services while traveling abroad.
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Years Of Experience
Standardized Medigap Plans
There are 10 standardized Medigap plans, each offering different levels of coverage:
Medigap Plan A
What it covers:
- Part A coinsurance + hospital costs (365 extra days)
- Part B coinsurance/copayments
- First 3 pints of blood
- Part A hospice coinsurance/copayments
What it doesn’t cover:
- Part A deductible, Skilled Nursing Facility care, Foreign travel
Suitable for: Basic coverage needs with lower premiums.
Medigap Plan B
What it covers (Plan A + more):
- Everything in Plan A plus
- Part A deductible
What it doesn’t cover:
- Skilled nursing facility, Part B deductible, Foreign travel
Suitable for: Those wanting a little more than Plan A with minimal cost-sharing.
Medigap Plan C (only for those eligible before 2020)
What it covers:
- Everything in Plan B plus
- Skilled nursing coinsurance
- Foreign travel emergency (80%)
- Part B deductible
What it doesn’t cover:
- Part B excess charges
Suitable for: Pre-2020 eligibles who want near-complete coverage.
Medigap Plan D
What it covers:
- Everything in Plan B
- Skilled nursing care coinsurance
- Foreign travel emergency (80%)
- No coverage for Part B deductible or excess charges
Suitable for: Balanced coverage, excluding some extras like excess charges.
Medigap Plan F (only for those eligible before 2020)
What it covers (full coverage):
- All Medicare deductibles, coinsurance, excess charges
- Skilled nursing, hospice
- Foreign travel emergency (80%)
- First 3 pints of blood
What you pay:
- $0 out-of-pocket for Medicare-covered services
Good for: Max coverage, no surprise bills.
Medigap Plan G
What it covers (same as Plan F, except):
- Does NOT cover Part B deductible
- Includes Part B excess charges, foreign travel, skilled nursing, etc.
Good for: Those not eligible for Plan F, but want similar full coverage.
Medigap Plan K
What it covers (50% of):
- Part B coinsurance
- Blood (3 pints)
- Hospice coinsurance
- Skilled nursing coinsurance
- Part A deductible
Also includes:
- 100% of Part A hospital coinsurance
- Out-of-pocket limit: $6,620 (2022)
What it doesn’t cover:
- Part B deductible, excess charges, foreign travel
Suitable for: Lower premiums + cost-sharing structure
Medigap Plan L
What it covers (75% of):
- Part B coinsurance
- Blood
- Hospice coinsurance
- Skilled nursing
- Part A deductible
Also includes:
- 100% of Part A hospital coinsurance
- Out-of-pocket limit: $3,310 (2022)
Suitable for: Mid-tier cost-sharing with a spending cap
Medigap Plan M
What it covers:
- 50% of Part A deductible
- 100% of Part B coinsurance
- Blood, hospice, skilled nursing, foreign travel (80%)
What it doesn’t cover:
- Part B deductible and excess charges
Suitable for: Travelers who want solid basic protection at a lower premium.
Medigap Plan N
What it covers:
- Most of what Plan G offers
- Foreign travel (80%), skilled nursing, hospice
- Doctor visit copays: up to $20
- ER copay (non-admitted): up to $50
What it doesn’t cover:
- Part B deductible
- Part B excess charges
Suitable for: Low premiums + predictable copays
*Each plan is designed to help reduce healthcare costs, but benefits vary. Comparing plans carefully ensures you find the right coverage for your needs.
Who Can Enroll in a Medigap Plan?
To buy a Medigap policy, you must:
- Be enrolled in Medicare Part A and Part B
- Live in the U.S., in a state where the plan is available
- Purchase from a private insurance company licensed in your state
If you move to a different state, your Medigap policy remains valid, though availability may differ depending on the insurance provider.
Benefits of Medigap Coverage
Financial Protection:
This helps cover medical expenses that Medicare does not pay, reducing unexpected out-of-pocket costs.
Predictable Costs:
Many Medigap plans feature little to no additional out-of-pocket expenses beyond premiums, making budgeting easier.
Freedom to Choose Providers:
Unlike Medicare Advantage, Medigap allows you to see any doctor or specialist who accepts Medicare without network restrictions.
Coverage While Traveling:
Some Medigap plans offer emergency medical coverage outside the U.S.
When to Enroll
The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period, which begins the first month you are 65 or older and enrolled in Medicare Part B. During this period, you can buy any Medigap plan without worrying about being denied coverage or charged higher premiums due to pre-existing conditions. Outside this period, enrollment may be subject to medical underwriting.
Medigap policies provide security, cost savings, and flexibility, helping you confidently manage healthcare expenses. If you’re considering a Medicare Supplement plan, comparing options carefully will ensure you choose the right coverage for your healthcare needs.
