Medicare Supplement Plans (Medigap)
Fill the gaps Original Medicare leaves behind. Predictable costs, any doctor, nationwide coverage.
What Is Medigap?
New to Medicare? Start with Understanding Medicare basics.
Medicare Supplement (Medigap) plans are standardized insurance policies that help cover the out-of-pocket costs Original Medicare doesn't pay, like deductibles, copays, and coinsurance.
Unlike Medicare Advantage, Medigap lets you see any doctor who accepts Medicare, anywhere in the country. No networks. No referrals.
See any provider who accepts Medicare, no networks, no referrals needed.
Compare Medigap Plans
The most popular plans side by side.
| Benefit | Plan G | Plan N | Plan F* |
|---|---|---|---|
| Part A Coinsurance | |||
| Part B Coinsurance | Copays apply | ||
| Part B Deductible | |||
| Part B Excess Charges | |||
| Foreign Travel Emergency | |||
| Skilled Nursing Facility | |||
| Any Doctor (accepts Medicare) |
*Plan F is only available to those who became eligible for Medicare before January 1, 2020.
When to Enroll
Open Enrollment
Ideal time to enroll is during your 6-month Medigap Open Enrollment Period, starting when you're 65 and enrolled in Part B.
Switching Plans
You can switch Medigap plans, but you may face medical underwriting outside your open enrollment window.
Don't Wait
Waiting past your open enrollment period can mean higher premiums or denial of coverage based on health history.
Medigap vs. Medicare Advantage
Both options help cover healthcare costs, but they work very differently:
- Medigap complements Original Medicare — you keep Parts A & B and add predictable cost coverage. See any doctor nationwide.
- Medicare Advantage replaces Original Medicare with an all-in-one plan. Often includes extra benefits but uses provider networks.
Not sure which is right for you? We'll help you compare both options based on your doctors, medications, and budget.
Quick Comparison
Important: Plan F Availability
Plan F is only available to those who became eligible for Medicare before January 1, 2020. If you became eligible after that date, Plan G is the most comprehensive Medigap option available to you. Plan G covers everything Plan F does except the Part B deductible.