Medicare Supplement (Medigap) Plans

Medicare Supplement plans are also called "Medigap" plans and can be purchased only if an individual has Original Medicare (Parts A and B). Medigap plans are insurance policies you buy from a private insurance company that pay for some or all the cost sharing, or gaps in coverage, such as deductibles, copays and coinsurance not covered by Original Medicare. Except in three states (Massachusetts, Minnesota, and Wisconsin), Medicare Supplement policies are available in standard types or plans. Each plan is named with a letter of the alphabet. Don't confuse plans A, B, C and D with Parts A, B, C and D of Medicare.

Please contact us at 561-734-3884 or 877-734-3884 (TTY: 711) for more information about Medicare Supplement plans and for quotes on particular plans from specific carriers. Depending on your state of residence, we represent many of the carriers offering these plans. Availability and pricing vary by state of residence and other factors listed below.

Medicare Supplement plans are different than Medicare Advantage plans and a beneficiary can NOT have both types of plans.

Medicare Supplement plans presently available for purchase don't offer coverage for outpatient prescription drugs (nor does Original Medicare), so you must purchase separate Medicare drug coverage (Part D) if you want such coverage.

Medicare Supplement plans are identified by letters (Plans A, B C, D, F, G, K, L, M and N) except in Massachusetts, Minnesota, and Wisconsin. (Plans Hi Deductible F and Hi Deductible G are variants of plans F and G respectively that have annual deductibles. Standardized plans may also be offered in what is called a Medicare SELECT version.)

Note: Plans C, F and Hi Deductible F are no longer available to Medicare beneficiaries who turn 65 on or after January 1,2020 unless these individuals were previously eligible for Medicare due to disability. Plan G offers the most benefits to such beneficiaries, and a new Plan Hi Deductible G is now available. Individuals with birthdays before January 1,1955 who first became eligible for Medicare Part A BEFORE January 1,2020 are still permitted to purchase Plans C, F, or Hi Deductible F.

Each Medicare Supplement plan with the same letter must offer the same basic benefits, no matter what insurance company sells it.

Medicare Supplement policies sold by insurance companies differ by cost, underwriting criteria, value added benefits, and customer service. Premiums generally vary by age, sex, tobacco usage and zip code. Some carriers have a single "unisex" rate for both genders, and some have separate rates for males and females.

Medicare Supplement insurance companies must follow federal and state laws. A Medicare Supplement policy covers only one person. If a married couple wants Medicare Supplement coverage, they must buy separate Medicare Supplement policies.

Depending on the state, some carriers offer a discount if both spouses purchase a policy (this is called a "spousal discount") from that carrier, and a few carriers offer a "household discount." A "household discount" reduces the premium for a single policyholder if that person lives with a person of a certain age (usually age 60 or older); rules differ between carriers regarding whether that other person must purchase a policy, and some carriers have additional requirements to qualify for a household discount.

Neither type of discount is available in some states.

Some carriers offer a discount if premiums are paid by electronic funds transfer.

The 2024 version of Choosing a Medigap Policy: A Guide to Insurance for People with Medicare is the current and official government publication that explains Medigap policies. This publication is updated annually after the changes to Medicare for the next year are announced.