Also known as Medigap, Medicare Supplement Plans help pay for costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Coverage you can keep
No surprise medical bills
Any Medicare provider
Best time to enroll
Medicare Supplement insurance, also called Medigap, is sold by private insurance companies to help pay some of the health care costs that Original Medicare doesn't cover.
Medigap policies help pay some of the remaining health care costs after Original Medicare pays its share, such as copayments, coinsurance, and deductibles.
Medigap policies are standardized, meaning a Plan F from one company offers the same basic benefits as Plan F from another company.
You must have Medicare Part A and Part B to buy a Medigap policy. It supplements Original Medicare, not Medicare Advantage.
As long as you pay your premiums, your Medigap policy is guaranteed renewable even if you have health problems.
Key changes you need to know about Medicare Supplement Plans for 2025
Part B deductible increased to $257 for 2025
6-month open enrollment period when you turn 65 or get Part B
No longer available to new Medicare beneficiaries (enrolled after 1/1/2020)
All Medigap plans are standardized by the federal government. This means Plan A benefits are the same regardless of which insurance company sells it.
Plans C and F are no longer available to people who became eligible for Medicare on or after January 1, 2020. If you were eligible before this date, you can still enroll in these plans.
✓ = Covered | % = You pay percentage | Numbers = You pay amounts
| Medigap Benefits | A | B | C* | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
|
Part A coinsurance and hospital costs up to 365 additional
days after Medicare benefits are used up
|
✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
|
Part B coinsurance or copayment
|
✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
|
Blood (first 3 pints)
|
✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
|
Part A deductible ($1,676 in 2025)
|
— | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
|
Part B deductible ($257 in 2025)
|
— | — | ✓ | — | ✓ | — | — | — | — | — |
|
Skilled nursing facility care coinsurance
|
— | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
|
Foreign travel emergency care (up to plan limits)
|
— | — | 80% | 80% | 80% | 80% | — | — | 80% | 80% |
|
Out-of-pocket limit (2025)
|
— | — | — | — | — | — | $7,060 | $3,530 | — | — |
*Plans C and F are only available to people who were eligible for Medicare before January 1, 2020.
Plan premiums vary by insurance company and location. Benefits are standardized by federal law.
Comprehensive Coverage
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Lowest Premium Option
Understanding your enrollment periods is crucial for getting the best Medigap coverage at the best price. Here's everything you need to know about 2025 enrollment opportunities.
Best Time to Enroll
Starts the month you turn 65 AND are enrolled in Medicare Part B
Cannot be denied coverage or charged more due to health conditions
Lowest available premiums for your age and location
Special Enrollment Situations
In certain situations, you have guaranteed issue rights to buy a Medigap policy, even outside your open enrollment period.
Important: You typically have 63 days from the date your coverage ends to apply for a Medigap policy under guaranteed issue rights.
Key Medicare enrollment periods you need to know
3 months before to 3 months after turning 65
January 1 - March 31, 2025
Year-round when qualifying
January 1 - March 31, 2025
Make sure you qualify for Medigap coverage
Hospital insurance coverage is required
Medical insurance coverage is required
Must reside where the plan is offered
Medigap only works with Original Medicare
May limit options outside open enrollment period
Limited guaranteed issue rights after deadlines pass
Limited Medigap availability in most states
Cannot have both Medigap and Medicare Advantage
The best time to enroll in Medigap is during your 6-month open enrollment period. Let us help you understand your options and timing.