Plans & Coverage
Medicare Supplement (Medigap) Plans
Medicare Supplement (Medigap) works alongside Original Medicare to help pay certain cost-sharing amounts, such as deductibles, copays, and coinsurance. Most Medigap policies do not have provider networks, but Medicare SELECT policies may require designated providers for full benefits. Original Medicare coverage rules still apply. Medigap does not include drug coverage, so many people pair it with a standalone Part D plan.
Plan G and Plan N
Plan G covers most Medicare-approved Part A and Part B cost-sharing, except the Part B deductible. Plan N has different benefits and cost-sharing. In most states, benefits are standardized by plan letter; premiums, availability, and underwriting vary by insurer and location. We can help compare options available to you.
Medigap vs Medicare Advantage
Medigap works with Original Medicare and most policies do not have provider networks; Medicare SELECT policies may require designated providers for full benefits. Medigap does not include drug coverage. Medicare Advantage plans have plan-specific costs and provider rules, and some include Part D or extra benefits. Compare current options, policy terms, providers, prescriptions, and costs for your situation.
Questions, answered
Can I switch to Medigap later?
If you're 65 or older and have Medicare Part B, your one-time 6-month Medigap Open Enrollment Period starts the first day of the month you're enrolled in Part B. During this period, insurers generally can't deny you a policy or charge more because of a pre-existing condition. Outside it, federal and state guaranteed-issue rights and insurer rules vary; underwriting may apply. Confirm your rights with your State Insurance Department or Medicare.
Does Medigap cover prescriptions?
No. Medigap doesn't include prescription drug coverage. If you want Medicare drug coverage, you can enroll in a standalone Part D plan, subject to eligibility and enrollment rules.
What is the difference between Medigap Plan G and Plan N?
Plan G covers most Medicare-approved Part A and Part B cost-sharing, except the Part B deductible. Plan N has different benefits and cost-sharing. Compare current plan benefits and premiums available to you; the right fit depends on your needs and budget.
Does Medigap have a network?
Most Medigap policies do not have provider networks. With Original Medicare, you can generally use doctors and hospitals that accept Medicare for covered services, subject to Medicare's coverage rules. Medicare SELECT policies may require designated hospitals and, in some cases, doctors for full benefits. Emergency-care rules and other policy terms apply, so check the policy and confirm provider participation before care.
Can married couples get the same Medigap plan?
Each person must purchase their own individual Medigap policy; premiums are not shared. Pricing depends on the insurer, plan, pricing method, location, discounts, and other factors allowed by state law. Ask how a specific policy is priced and how its premium may change over time.
How much does Medigap cost per month?
Medigap premiums vary by insurer, plan, and pricing method (community-rated, issue-age-rated, or attained-age-rated). Location, discounts, and other state-permitted factors may also affect rates. Ask about the pricing method and how premiums may change over time. We can help compare options we represent and are licensed to offer in your area.
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