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Is a Medicare Supplement Insurance plan right for you?
SelectQuote’s licensed insurance agents can help you learn about your Medicare Supplement plan options. It’s free and there’s no obligation to enroll.
No obligation to enroll
Medigap Insurance Plans
Medicare Supplement Insurance plans, also known as Medigap, help cover gaps in coverage from Medicare Part A and Part B. If you have fairly frequent doctor or hospital visits, your coverage from Medicare Parts A and B (Original Medicare) may come with out-of-pocket costs. Medigap plans can fill in these gaps by helping cover costs like deductibles, coinsurance, and copayments. The monthly premium cost of a Medigap plan will vary depending on the type of coverage you secure, but lower annual out-of-pocket costs for healthcare services typically offset the cost of Medigap premiums.
Compare Medigap Plans
In most states, there are eight Medicare Supplement Insurance plans to choose from, and all policies have been standardized. That means there is no difference in the benefits offered between Medicare Supplement Insurance plan carriers. The only difference between Medigap plans tends to be the cost of the monthly premium. Medicare Supplement Insurance plans are denoted by the letters A through N (plans C, E, F, H, I, and J are no longer sold). Although the names of some of the Medicare Supplement Insurance plans sound familiar to the parts of Original Medicare, such as Part A and Part B, they are not the same.
Medigap Plan Comparison Chart
Below is a general comparison of the benefits of each standardized Medigap plan:
| Benefits | Medigap Plans | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| A | B | C | D | F* | G* | K** | L** | M | N*** | |
| Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Part B coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A hospice care coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled nursing care coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Part B deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Part B excess charge | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign travel exchange (up to plan limits) | No | No | No | No | Yes | Yes | No | No | No | No |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $7,220 in 2025 | $3,160 in 2025 | N/A | N/A |
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,870 in 2025 before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
Let Us Compare Medigap Plans For You
At SelectQuote, we can help you compare Medicare Supplement plans to ensure you’re finding the one that’s right for you and your needs. Until then, take the time to explore the specific plan pages below: !
No obligation to enroll
Is a Medicare Supplement plan worth it?
Whether or not a Medicare Supplement plan is right for you will depend on your specific coverage needs and situation. Learn more about the individual Medicare Supplement Insurance plans below:
Medicare Supplement Plan Benefits
Each of the eight plans provides various Medicare Supplement Insurance plan benefits, but all plans must cover at least a portion of the following basic benefits:
- Medicare Part A coinsurance costs up to an additional 365 days after Medicare benefits are exhausted
- Medicare Part B hospice care coinsurance and copayments
- Medicare Part B coinsurance or copayments
- The first three pints of blood used in a medical procedure
- Some Medicare Supplement Insurance plans may include additional routine benefits, such as Plan G, which is the most comprehensive standardized Medigap plan available
Another important benefit of a Medigap plan is that you can see any doctor accepting Original Medicare, whether the doctor accepts Medicare assignment or not. If your doctor accepts an assignment, this means they agree to be paid the Medicare-approved amount for the care you received, and your Medigap insurance company will usually pay the doctor directly. If your doctor does not accept Medicare assignment and still accepts Original Medicare, you may have to send the claims to your insurance company and pay the doctor yourself.
3 Things to Consider Before Medicare Supplement Enrollment
As you prepare to sign up for a Medicare Supplement Insurance plan, it’s important to remember the following:
1. Medigap Plan Requirements and Limitations
- You must have Medicare Part A and B in order to buy a Medicare Supplement Insurance policy.
- A Medicare Supplement Insurance policy can only cover one individual. If you and your spouse both want Medigap coverage, you will each need a separate policy.
- Prescription drugs are not covered by Medicare Supplement Insurance.
- Medigap policies generally do not cover vision or dental care, hearing aids, eyeglasses, long-term care, or private nursing.
- Medicare Supplement Insurance plan availability will vary by state.
- Medicare Supplement Insurance and Medicare Advantage (Part C) are different types of plans.
2. Medicare Supplement Insurance Coverage
- You are eligible to purchase a Medicare Supplement Insurance policy (Medigap) on the first day of the month in which you turn 65. You must already be enrolled in Medicare A and B. During this time, you can buy any Medigap policy sold in your state, even if you have health problems.
- You pay the private insurance company a monthly premium for your Medicare Supplement Insurance policy. This cost is in addition to the cost you pay for your Medicare Part B premium.
- Any standardized Medigap policy is guaranteed to renew each year, even if you have health problems. This means the insurance company cannot cancel your Medicare Supplement Insurance policy as long as you pay the premium.
3. Compare Medicare Supplement Insurance vs. Medicare Advantage Plans
Before you enroll in a Medicare Supplement Insurance plan, you’ll want to make sure you understand the difference between Medicare Advantage vs. Medicare Supplement Insurance. Here’s a brief overview of the differences between the two:
Medicare Supplement Insurance Plans
- Intended to fill the gaps in coverage from Original Medicare (Part A and Part B)
- Typically, a higher monthly premium and lower out-of-pocket expenses
- Provides coverage for any doctor or facility that accepts Original Medicare
- Provides coverage in all 50 states, with some plans providing coverage when traveling outside of the U.S.
- An alternative to Original Medicare (Part A and B)
- Generally costs less than Medicare Supplement Insurance and may cover more services
- Limits you to doctors and facilities within the HMO or PPO and may not cover out-of-network care
- Can only operate within a certain region
Medigap Plan Costs
If you apply for a Medicare Supplement plan, you will pay a monthly premium to the insurance company in addition to your Medicare Part B premium. Medicare Supplement Insurance plan costs depend on a number of factors, including the type of plan you buy, the insurance company, your location, and your age. Premiums vary among insurance companies, but the benefits of each standard Medigap plan are always the same. For instance, a Medigap Plan C policy offers the same benefits no matter which company you buy it from.
While insurance companies are required to offer the same benefits for each plan, Medigap policies can be priced in three ways:
- Community-Rated: Generally, the same monthly premium is charged to everyone who has the Medigap plan, regardless of age. Premiums may go up because of inflation and other factors, but not because of your age.
- Issue-Age-Rated: The premium is based on the age you were when you bought the Medigap plan. Premiums are lowered for people who buy at a younger age and won’t change when you get older. Premiums may go up because of inflation and other factors, but not because of your age.
- Attained-Age-Rated: The premium is based on your current age, increasing your premium as you get older. Premiums are lower when you are younger, but continually increase as you age. Premiums may also increase because of inflation or other factors.
It’s important to consider all your options when shopping for Medicare plan coverage. At SelectQuote, we can walk you step-by-step through the comparison and shopping process to find the Medicare Supplement Insurance plan that’s right for you. Save yourself time and let us do the comparing—it’s free and there’s no obligation to enroll.
No obligation to enroll
Explore Medicare Supplement Plans in Your State
Medicare Supplement Insurance plans are available from private insurance companies in all states. To find out more, just click on your state within the map on this page, select a state from the drop-down menu, or click on one of the links below.
Alabama Medicare Supplement PlansAlaska Medicare Supplement PlansArizona Medicare Supplement PlansArkansas Medicare Supplement PlansCalifornia Medicare Supplement PlansColorado Medicare Supplement PlansConnecticut Medicare Supplement PlansDelaware Medicare Supplement PlansFlorida Medicare Supplement PlansGeorgia Medicare Supplement PlansHawaii Medicare Supplement PlansIdaho Medicare Supplement PlansIllinois Medicare Supplement PlansIndiana Medicare Supplement PlansIowa Medicare Supplement PlansKansas Medicare Supplement PlansKentucky Medicare Supplement PlansLouisiana Medicare Supplement PlansMaine Medicare Supplement PlansMaryland Medicare Supplement PlansMassachusetts Medicare Supplement PlansMichigan Medicare Supplement PlansMinnesota Medicare Supplement PlansMississippi Medicare Supplement PlansMissouri Medicare Supplement Plans
Montana Medicare Supplement PlansNebraska Medicare Supplement PlansNevada Medicare Supplement PlansNew Hampshire Medicare Supplement PlansNew Jersey Medicare Supplement PlansNew Mexico Medicare Supplement PlansNew York Medicare Supplement PlansNorth Carolina Medicare Supplement PlansNorth Dakota Medicare Supplement PlansOhio Medicare Supplement PlansOklahoma Medicare Supplement PlansOregon Medicare Supplement PlansPennsylvania Medicare Supplement PlansRhode Island Medicare Supplement PlansSouth Carolina Medicare Supplement PlansSouth Dakota Medicare Supplement PlansTennessee Medicare Supplement PlansTexas Medicare Supplement PlansUtah Medicare Supplement PlansVermont Medicare Supplement PlansVirginia Medicare Supplement PlansWashington Medicare Supplement PlansWest Virginia Medicare Supplement PlansWisconsin Medicare Supplement PlansWyoming Medicare Supplement Plans
Find the Right Medicare Supplement Plan to Fit Your Needs with SelectQuote
Save yourself the time and hassle of navigating your Medicare Supplement plan options on your own by letting SelectQuote do the work for you. In just minutes, we can compare your available Medicare Supplement plan options.
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