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Medicare Supplement Insurance Plans in Vermont
Medicare Supplement Plans (Medigap) in Vermont 2026
Original Medicare (Parts A and B) helps cover major health expenses like hospital stays and doctor visits. However, it does not pay for everything. Out-of-pocket expenses such as deductibles, copayments, and coinsurance can add up quickly over time.
Medicare Supplement insurance plans, also known as Medigap, are sold by private insurance companies to help pay for these remaining health care costs. Medigap works alongside your primary federal Medicare benefits. This is different from private Medicare Advantage plans, which replace Original Medicare and manage your care through local provider networks.
Vermont is a community-rated state. Under state law, insurance companies must charge the same baseline monthly premium to every senior in a specific area who buys the same plan, regardless of age. This means your monthly rate will not increase simply because you get older.
It is also important to remember that Medigap plans do not cover retail prescription drugs. To cover your medications, you will need to add a standalone Medicare Part D prescription drug plan. Under the 2026 Medicare updates, standalone Part D plans feature a mandatory $2,100 out-of-pocket spending cap for covered prescription drugs. Once you reach this limit, your plan pays 100% of your covered drug costs for the rest of the calendar year.
Key Vermont 2026 Takeaways
Community-Rated Pricing: Under Vermont law, a 65-year-old and an 85-year-old living in the same community pay the exact same baseline premium for the same Medigap policy.
Under-65 Disability Access: Vermont requires insurers to offer Medigap plans to eligible individuals under age 65 who qualify due to a disability or End-Stage Renal Disease (ESRD). State data indicate these under-65 premiums are generally higher than standard senior rates.
2026 Market Disruption: The warns that private Medicare Advantage options have declined significantly statewide, making Medigap the most reliable choice for continuous care.
Public Rate Transparency: The Vermont DFR strictly regulates the private market by reviewing and publishing all proposed carrier rate adjustments (ranging from 4% to over 25% for 2026) for public comment.
What is a Medicare Supplement plan in Vermont?
A Medigap policy acts strictly as a secondary payer. When you receive medical care, Original Medicare pays its approved portion first, and your Medigap policy then handles its share of the remaining covered expenses.
Medigap policies are individual accounts, which means spouses must purchase separate plans because coverage cannot be combined into a single joint family policy.
Because Medigap policies have no network restrictions, you can visit any doctor or hospital nationwide that accepts Original Medicare. This offers peace of mind to Vermonters who travel or live in neighboring states for part of the year.
To learn more about how supplemental plans pair with primary Medicare benefits, you can explore our complete Medicare overview.
Types of Medicare Supplement Plans Offered in Vermont
Vermont offers standardized Medigap plans labeled with letters A through N. Each lettered plan provides the exact same basic benefits regardless of which insurance company sells it.
Older plans, such as Plan C and Plan F, are no longer available to individuals who became eligible for Medicare on or after January 1, 2020. However, if you were enrolled in Plan C or Plan F prior to that date, you are grandfathered in and can keep your coverage.
Because plan benefits are federally standardized, shopping for a Medicare Supplement plan in Vermont comes down to finding a trusted insurance company with affordable starting rates and a solid history of price stability.
Most Popular Medicare Supplement Insurance Plans in Vermont
State enrollment data published by shows that over 50,000 of Vermont's 169,000 Medicare beneficiaries rely on Medigap coverage. The two most popular choices for newly eligible seniors are Plan G and Plan N.
Plan G: This is the most comprehensive option for newly eligible Vermonters. It covers 100% of your out-of-pocket health care costs except for the annual Medicare Part B deductible. Local carrier data shows average Plan G premiums for Vermont seniors hover around $257 per month. Learn more about Plan G coverage.
Plan N: This budget-friendly option offers lower monthly premiums, averaging about $239 locally. Plan N covers most major gaps, but you pay small copayments of up to $20 for doctor visits and up to $50 for emergency room visits that do not result in a hospital admission. Learn more about Plan N benefits.
Feature and Coverage Benefit | Medigap Plan G | Medigap Plan N |
Part A Hospital Deductible | Covered (100%) | Covered (100%) |
Part B Coinsurance | Covered (100%) | Covered (Except small copays) |
Part B Deductible | Not Covered | Not Covered |
Doctor Visit Copays | $0 | Up to $20 |
Emergency Room Copays | $0 | Up to $50 |
2026 Vermont Market Disruption Alert
Recent changes in Vermont have led major insurance carriers to reduce or discontinue their Medicare Advantage offerings. According to enrollment reports from , eight of Vermont's 14 counties have no Medicare Advantage plans available for 2026.
If your previous health plan was discontinued, switching back to Original Medicare paired with a Medigap plan helps ensure you can continue to see your preferred doctors and use local hospitals. You can read our guide on shopping for Medicare insurance to learn how to manage these changes effectively.
Which Vermont senior are you?
The Turning 65 Senior: You are aging into Medicare and want to lock in a secure plan during your initial enrollment period at a favorable community-rated price.
The Displaced Plan Senior: Your Medicare Advantage plan exited the Vermont market for 2026, and you need a smooth transition back to Original Medicare with supplemental coverage.
The Under-65 Beneficiary: You qualify for Medicare early due to a disability or ESRD and want to take advantage of Vermont's mandated access rules to secure supplemental coverage.
The Premium Optimizer Senior: You currently have a Medigap policy but want to switch to a recognized insurer offering lower monthly premiums and greater long-term stability.
Vermont Medicare Enrollment Periods and Switching Rules
Knowing the correct enrollment timelines helps you avoid medical underwriting and unexpected costs.
Initial Open Enrollment Window: Your six-month Medigap Open Enrollment Period begins on the first day of the month you turn 65 and are enrolled in Medicare Part B. During this time, insurance companies cannot ask health questions or deny you coverage because of pre-existing conditions.
Special Enrollment Rights for Displaced Seniors: Vermonters who lost their Medicare Advantage coverage for 2026 qualify for guaranteed issue rights. This special rule allows you to buy a Medigap plan without completing a medical health review.
Switching Plans Later: While the Fall annual enrollment period allows changes to Medicare Advantage and Part D plans, switching Medigap plans outside of a guaranteed issue window generally requires passing medical underwriting in Vermont.
To ensure you never miss an important deadline, check out our guide on Medicare enrollment periods.
Medicare Supplement Carriers in Vermont
SelectQuote works with recognized and trusted insurance companies in Vermont, including:
The Vermont Health Plan (TVHP) / Vermont Medigap Blue (Blue Cross Blue Shield of Vermont)
Mutual of Omaha
Aetna (Continental Life / Accendo)
Medigap Rates in Vermont by ZIP Code 2026
Although Medigap coverage benefits are standardized by law, baseline monthly rates can vary based on local health care costs and demographic data across different ZIP codes.
Under the Vermont DFR public rate review process, insurers must submit all proposed rate changes for state review. This transparent process makes it easier to compare long-term carrier trends:
Chittenden County / Burlington Metro: As the state's largest population center, this region features several medical specialists and health care centers, supporting healthy competition among carriers.
Central Vermont/Montpelier-Rutland Corridor: Regional hospital systems serve these mid-state communities, where community-rating rules help keep baseline prices uniform across age groups.
Rural Northern and Southern Sectors (Including the Northeast Kingdom): Because private health plan choices are limited in these rural sectors, pairing Original Medicare with a Medigap plan guarantees access to local primary care centers.
Checking rates in your local ZIP code helps you find affordable coverage options from trusted carriers.
Frequently Asked Questions
Do Medigap premiums go up as I get older in Vermont?
No. Vermont uses community-rated pricing, which means your age will not increase your Medigap premium. However, monthly rates may still adjust over time due to general inflation and statewide medical costs.
How does the Vermont public rate review process protect my monthly premiums?
The Vermont Department of Financial Regulation (DFR) requires private Medigap carriers to submit proposed rate increases for public review before they can take effect. This transparent oversight allows you to review historical rate data and avoid companies that consistently propose steep annual price hikes.
Are doctors in Vermont allowed to charge Medicare Part B excess charges?
No. Vermont state law strictly prohibits health care providers from charging Medicare Part B excess fees. Doctors must accept the Medicare-approved rate as full payment, which adds extra financial value to budget-friendly plans like Plan N.
What is the senior SHIP program Vermont Medicare counseling network?
This refers to the State Health Insurance Assistance Program (such as Age Well Vermont/ SHIP), which provides free educational resources to the public. SelectQuote builds on this foundation by offering real-time ZIP code rate comparisons and guiding you step by step through the enrollment process.
Is a Vermont Medicare Supplement insurance plan right for you?
SelectQuote can help Medicare recipients in Vermont understand their benefit options. As an independent third-party company specializing in helping consumers navigate the ins and outs of Medicare, SelectQuote can help you access all the benefits available to you. In addition, we can keep you informed about annual Medicare plan changes. Contact a SelectQuote licensed insurance agent today to help you find the right Vermont Medicare Supplement Insurance plan for your needs and budget.
To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.
SelectQuote Senior Insurance Services is a division of SelectQuote Insurance Services. © 2026 SelectQuote Senior Insurance Services. All rights reserved.
Please see the Disclosures Page for more information.
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