Font Size:A+ A-


MEDICARE sUPPLEMENT
(MEDIGAP) PLANS


Medicare Supplement plans are also called "Medigap" plans.  These are insurance policies you buy from a private insurance company that pay for some or all of the cost sharing, or gaps in coverage, such as deductibles, copays and coinsurance, in Medicare Part A and B coverage. 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 877-734-3884 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 don't offer coverage for Outpatient Prescription Drugs (nor does Original Medicare), so you must purchase a stand-alone Medicare Prescription Drug (Part D) plan if you want coverage for outpatient drugs.  

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. [Plan HiF is a variant of plan F that has a plan deductible.  Standardized plans may also be offered in what is called a Medicare SELECT version.)

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"), 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), whether or not that other person purchases a policy. 

Neither type of discount is available in some states, such as Florida.

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

The 2017 version of Choosing a Medigap Policy: A Guide to Insurance for People with Medicare  is the official government publication that explains Medigap policies. This publication is updated annually after the changes to Medicare for the next year are announced, and the 2017 version has just been printed.

 

 



Medicare Supplement Plans FAQs

Select an item from the list to view information for that item.
You may also show all items or questions on the page at once