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Learn how Medigap plans can help cover out-of-pocket costs that Original Medicare does not pay. Compare plan options, understand the differences, and speak with a licensed Medicare advisor for free.
Medicare Supplement insurance, also called Medigap, helps pay some of the out-of-pocket costs left behind by Original Medicare Part A and Part B. Depending on the plan, this may include copayments, coinsurance, deductibles, and certain excess charges.
These plans are designed for people who want more predictable healthcare costs and the freedom to see any doctor nationwide who accepts Medicare.
Use any doctor or hospital in the U.S. that accepts Medicare. No network restrictions in most cases.
Medigap plans help reduce surprise costs from deductibles, coinsurance, and other gaps in coverage.
Many beneficiaries prefer the stability of knowing what their healthcare costs may look like over time.
| Feature | Plan G | Plan N | High-Deductible G* |
|---|---|---|---|
| Part A Coinsurance | Covered | Covered | Covered after deductible |
| Part B Coinsurance | Covered | Covered (copays may apply) | Covered after deductible |
| Part A Deductible | Covered | Covered | Covered after deductible |
| Part B Deductible | Not covered | Not covered | Not covered |
| Part B Excess Charges | Covered | Not Covered | Covered after deductible |
| Office Visit Copays | No | Possible | After deductible rules apply |
| Best For | Maximum coverage | Lower premium seekers | Budget-conscious shoppers |
*Benefits shown are simplified for educational purposes. Availability and rates vary by carrier, state, age, gender, tobacco use, and eligibility.
Plan G is often chosen by people who want broader coverage and fewer out-of-pocket surprises. After you pay the Medicare Part B deductible, Plan G typically covers most remaining Medicare-approved costs.
Plan N may offer lower monthly premiums in exchange for some cost-sharing, such as certain office visit or emergency room copays. It may also not cover Part B excess charges.
The best Medicare Supplement plan depends on your budget, how often you see doctors, whether you want the broadest coverage possible, and how comfortable you are with paying some costs as you go.
A licensed Medicare advisor can help you compare carriers, premiums, underwriting rules, household discounts, and available plans in your ZIP code
The best time to enroll is generally during your Medicare Supplement Open Enrollment Period, which begins when you are both age 65 or older and enrolled in Medicare Part B. During this window, you may have guaranteed issue rights and more flexibility.
Outside of that window, you may be asked health questions in many states and situations.
Get help comparing Medicare Supplement plans and finding a policy that fits your needs and budget.
A Medicare Supplement plan, also called Medigap, helps pay certain out-of-pocket costs that Original Medicare does not fully cover, such as copayments, coinsurance, and some deductibles.
Plan G generally offers broader coverage and covers Part B excess charges, while Plan N may have lower premiums but can include certain copays and does not cover Part B excess charges.
Plans with the same letter generally offer the same standardized core benefits in most states, but premiums, pricing methods, and household discounts can vary by carrier.
In most cases, you can use your Medicare Supplement plan with any doctor or hospital in the United States that accepts Medicare.
No. Medicare Supplement plans do not include prescription drug coverage. You generally need a separate Medicare Part D prescription drug plan for that coverage.
The best time is usually during your Medicare Supplement Open Enrollment Period, which begins when you are age 65 or older and enrolled in Medicare Part B. During this time, you may have guaranteed issue rights.
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.
We are not affiliated with or endorsed by Medicare, the federal government, or any specific insurance carrier. This is a solicitation for insurance. A licensed insurance agent may contact you. Plan availability varies by state, county, ZIP code, and carrier.