Guide
Medicare Supplement (Medigap)
Medigap plans help pay some of the out-of-pocket costs Original Medicare doesn't cover, such as copays, coinsurance, and deductibles.
How Medigap works
You keep Original Medicare (Parts A and B) and add a Medigap plan from a private carrier. Every doctor that accepts Medicare accepts your Medigap plan.
Standardized letters
Plans A through N are standardized by the federal government. Plan G at one carrier covers what Plan G at another covers.
Nationwide freedom
No networks. Use any provider that accepts Medicare.
Separate drug plan
Medigap does not include Part D. You typically add a standalone prescription drug plan.
Underwriting rules
Guaranteed acceptance during your Medigap Open Enrollment window. After that, most states allow medical underwriting.
Prefer to talk it through? Talk to a licensed agent.