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Medicare Supplement Plans

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) | Last updated October 8, 2026

Medicare Supplement plans, also called Medigap, are private insurance policies that cover some or all of the deductibles, coinsurance and copays that Original Medicare leaves for you to pay. The 10 plans are standardized, so a given letter carries identical benefits regardless of the company offering it.

Original Medicare (Part A and Part B) provides solid coverage but has one major flaw: there is no annual limit on your costs. Once the Part B deductible is met, you typically pay 20% of the Medicare-approved amount for doctor visits, outpatient surgery, imaging, chemotherapy and other Part B services, without any ceiling. A major illness can leave you with bills in the thousands of dollars. A Medicare Supplement plan covers most or all of that portion.

Here you will learn how Medigap functions, what every plan letter pays for, which factors set the price, and the enrollment rules that determine whether an insurer is allowed to reject you. For 2027 pricing and which plans are offered, visit Medicare Supplement plans 2027.

✔ Licensed across all 50 states
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Key Highlights

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Medigap pays once Medicare has paid, and you are free to use any doctor or hospital in the U.S. that takes Medicare, without a network or referrals.

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The 10 standardized plans are lettered A, B, C, D, F, G, K, L, M and N. Among those available to people new to Medicare, Plan G offers the most complete coverage.

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For 2027, High-Deductible Plans F and G carry a $3,050 deductible, an increase from $2,950 in 2026 (CMS).

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Prescription drugs are not part of Medigap coverage. Most enrollees add a separate Part D plan alongside it.

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The ideal time to purchase is during your six-month Medigap Open Enrollment Period, when insurers are barred from turning you down or raising your price over health conditions.

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How Medicare Supplement Plans Work

Medicare itself stays in place when you add a Medicare Supplement plan. Original Medicare remains your primary coverage, with the supplement sitting behind it. After you receive care, your provider sends the bill to Medicare first. Medicare covers its portion of the approved amount and passes the remainder to your Medigap carrier, which pays its portion according to your plan letter. Usually this all happens on its own, so you never have to submit a claim.

Who Pays What

1

Medicare pays first. Once their deductibles are met, Part A handles hospital stays and Part B handles doctor visits and outpatient services.

2

Your Medigap plan pays next. It picks up whatever deductibles, coinsurance and copays your plan letter covers.

3

You pay what is left. With Plan G, the yearly Part B deductible is typically the only cost. With Plans F and C, you often owe nothing at all.

Since Medigap tracks Medicare, every provider nationwide that takes Medicare has to take your supplement too. That sets it apart from Medicare Advantage, which generally limits you to the plan’s network. It also explains Medigap’s appeal for travelers, people who split time between two states, and anyone who wants to visit specialists at major medical centers with no referrals.

Guaranteed renewable: after your Medigap policy is in place, the company is not allowed to drop you over health issues, provided your premium is paid. The coverage itself never changes from year to year; the cost is the only thing that may move.

What Original Medicare Leaves You to Pay

To judge the value of a supplement, begin by looking at what Original Medicare leaves uncovered. A Medigap plan is designed to pay these costs:

Original Medicare Gap What It Means for You Covered By
Part A deductible Applied each hospital benefit period instead of annually. The 2026 amount was $1,736. Plans B, C, D, F, G and N fully; K, L and M partially
Part A hospital coinsurance Daily charges after day 60 of a hospital stay, which climb after day 90 All 10 plans, plus 365 extra hospital days
Part B deductible An annual deductible owed before Part B pays. In 2026, $283. Only Plans C and F
Part B coinsurance Typically 20% of the approved amount, with no annual cap All plans (K and L in part, N with copays)
Part B excess charges As much as 15% over the approved amount from doctors who do not accept assignment Plans F and G
Skilled nursing coinsurance Daily charges for days 21 through 100 of a covered stay Plans C, D, F, G, M and N (K and L in part)
Emergency care abroad Care outside the U.S. is generally not covered by Original Medicare. Plans C, D, F, G, M and N, up to plan limits

No cap without a supplement: There is no out-of-pocket maximum under Original Medicare. Unless you have a Medigap plan, a Medicare Advantage plan or other coverage, the 20% you may owe on Part B services has no upper limit.

Understanding Medicare supplement plans

All 10 Medicare Supplement Plans Compared

Federal law sets exactly what each plan letter covers. A Plan G from one insurer covers precisely what a Plan G from any other insurer covers in your state, so once you pick a letter, the only things left to compare are price, how the insurer raises prices, discounts and service. See the 10 Medigap plans and the Medicare Supplement plans chart.

Benefit A B C* D F* G K L M N
Part A coinsurance and hospital costs for up to 365 additional days 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***
First 3 pints of blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility 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 charges No No No No Yes Yes No No No No
Foreign travel emergency (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit None None None None None None Yes** Yes** None None

*Only people who became eligible for Medicare before January 1, 2020, can buy Plans C and F. **Plans K and L come with a yearly out-of-pocket limit that Medicare updates each year; once you hit it, the plan covers 100% of covered services for the remainder of the year. ***Plan N covers all Part B coinsurance apart from copays of up to $20 for certain office visits and up to $50 for ER visits that do not result in an inpatient admission. Massachusetts, Minnesota and Wisconsin use their own way of standardizing plans.

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Plan G, Plan N and High-Deductible Plan G

Most people new to Medicare choose one of three plans. They differ in how much you pay up front in premium versus how much you pay when you use care. See Plan G vs Plan N.

Plan G: the most complete plan for new enrollees

Plan G fills each gap in Original Medicare apart from the Part B deductible. After you satisfy that deductible every year, Medicare-approved care is typically paid in full, Part B excess charges included. Plan G became the top-selling plan in place of Plan F once Plan F stopped being available to new Medicare enrollees in 2020. See Medicare Plan G.

Plan N: pay small copays in return for a smaller premium

Plan N provides the same core coverage as Plan G apart from Part B excess charges, and it adds copays of up to $20 for certain office visits and up to $50 for emergency room visits that do not result in an inpatient admission. Its monthly cost is typically lower, so it may suit people who visit the doctor less frequently and live in areas where few doctors bill excess charges. See Medicare Plan N.

High-Deductible Plan G: the smallest premium, paired with an annual deductible

High-Deductible Plan G has the same benefits as Plan G, but you pay a yearly deductible before the plan pays. For 2027, that deductible is $3,050, up from $2,950 in 2026. Premiums are much lower, so it can suit healthy people who can afford the deductible in a bad year. See High-Deductible Plan G.

Plan G

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After the Part B deductible, you pay little or nothing

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Covers Part B excess charges

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Highest premium of the three

Plan N

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You pay the Part B deductible plus small copays

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Does not cover Part B excess charges

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Usually a lower premium than Plan G

High-Deductible G

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Before coverage begins, you pay up to $3,050 in 2027

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Then covers like Plan G

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Lowest premium

Plans C and F: these are only for people who were eligible for Medicare before January 1, 2020. If that is you, you can keep or buy them. They also cover the Part B deductible. See Medigap Plan F.

What Medicare Supplement Plans Do Not Cover

Medigap pays only toward services that Original Medicare covers. Since it adds no new benefit types, budget for the following on your own:

Not Covered by Medigap

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Prescription drugs: add a standalone Part D plan

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Routine dental care, hearing aids, and eye exams for glasses

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Long-term custodial care, whether in a nursing home or at home

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Private-duty nursing

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Services Medicare does not deem medically necessary

Most Medigap buyers pick up a Part D plan at the same time. The highest Part D deductible allowed for 2027 is $700, and out-of-pocket costs for covered drugs are capped at $2,400. Going without creditable drug coverage when you first become eligible may trigger a late enrollment penalty that lasts as long as you are on Part D. See Medicare Part D plans 2027.

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What Medicare Supplement Plans Cost

In addition to your Part B premium, you pay the insurance company a monthly premium. Since benefits are the same for each letter, insurers compete on price, and one plan letter can be priced very differently by different companies within a single ZIP code.

Your Age

Many insurers charge more as you get older.

Your ZIP Code

Prices vary by state and area.

Tobacco Use

Tobacco users usually pay more.

Discounts

Depending on your state, some companies provide household or other discounts.

How insurers price their policies

Pricing Method How the Premium Is Set Over Time
Community-rated All people in an area pay one premium, whatever their age Does not go up as you age, but may go up for inflation and other reasons
Issue-age-rated Based on your age when you buy Does not go up as you age, but may go up for other reasons
Attained-age-rated Based on your current age Rises as you age, on top of other increases

Which method applies depends on the insurer and the state. Before buying, find out how a policy is priced, not only what it costs now.

An attained-age policy with a cheap first-year rate may wind up costing you more over the years than one that began at a higher price. See how to compare Medicare Supplement plans.

When You Can Buy a Medicare Supplement Plan

Key Takeaway

The six-month Medigap Open Enrollment Period begins in the first month that you are both 65 or older and signed up for Part B. Throughout this period, insurers are not allowed to reject you, raise your price, or delay your coverage over health issues.

This window happens once and does not repeat. If you delay Part B because you have coverage from a current employer, your Medigap Open Enrollment Period starts when you enroll in Part B. See the 6-month Medigap Open Enrollment Period.

Be aware: once your six-month Medigap Open Enrollment Period has passed, and without a guaranteed issue right, insurers in most states may ask health questions and turn you down or charge you more.

Guaranteed issue rights

Under federal law, you also have the right to purchase certain Medigap plans with no health questions in particular circumstances, typically within 63 days of losing your other coverage. Typical examples include:

You May Have a Right to Buy If

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Your Medicare Advantage plan exits your area or stops serving Medicare

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You enrolled in Medicare Advantage when you first became eligible at 65 and want to go back within the first year (a “trial right”)

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You left a Medigap policy to try Medicare Advantage for the first time and want to go back within a year

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Employer or union coverage that pays after Medicare stops

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Your Medigap insurer goes bankrupt or deceives you

State rules can give you more: In New York and Connecticut, you can purchase Medigap at any point in the year with no health questions, and some states, such as California and Oregon, offer an annual window to move to a plan of equal or lesser coverage. Review the rules where you live.

When you are under 65 and have Medicare due to a disability, insurers are not required by federal law to sell you Medigap, though many states require it. Pricing and available plans for those under 65 differ greatly from state to state.

Medigap vs Medicare Advantage

You can have either a Medicare Supplement plan or a Medicare Advantage plan, not both. They take opposite approaches. See Medicare Advantage vs Medigap.

Medicare Supplement (Medigap) Medicare Advantage
How it works Pays after Original Medicare Replaces Original Medicare with a private plan
Doctors Any provider in the U.S. that accepts Medicare Typically a network; HMOs limit you to in-network care outside of emergencies
Referrals and prior authorization No referrals; follows Medicare’s rules Referrals and prior authorization are common
Premium Higher monthly premium Frequently low or $0 (a $12 monthly average for 2027, CMS)
Costs when you use care Low and predictable Copays and coinsurance up to a yearly maximum
Drug, dental and vision Not included; add Part D Drug coverage is built into most plans; many may include dental and vision
Switching later In most states, health questions once your open enrollment ends Can change every year during Annual Enrollment

Medigap suits people who want the freedom to use any doctor along with predictable costs, and who can handle a higher premium. Medicare Advantage suits people who prefer a low premium plus extra benefits and do not mind a network. If your Medicare Advantage plan is ending and you are leaving it for 2027, you may have a guaranteed issue right to purchase Medigap.

How to Choose and Buy a Plan

Step by Step

1

Choose your plan letter. Plan G, Plan N and High-Deductible Plan G are the ones most people compare.

2

Get quotes for that letter from several insurers. Since the benefits are identical, weigh the premium, how it is priced and any discounts.

3

Check rate increase history. Find out how much the policy has risen in your state over the last several years.

4

Pick the right time to buy. If possible, purchase during a guaranteed issue window or your Medigap Open Enrollment Period.

5

Add a Part D plan. Pick one based on your prescriptions and pharmacy so you steer clear of the late enrollment penalty.

6

Keep your Medigap policy active. Make your premium payments on time; the policy is guaranteed renewable.

Married couples: spouses cannot share a Medigap policy, so each of you needs your own. Certain companies give a household discount when you both enroll with them.

Bottom Line

The Bottom Line

Medicare Supplement plans close the gaps in Original Medicare with standardized benefits that work at any doctor who takes Medicare. Settle on a plan letter first, typically Plan G, Plan N or High-Deductible Plan G, then shop prices for that letter, and purchase during your Medigap Open Enrollment Period when possible.

Compare plans and enroll online

Frequently Asked Questions

➤ What is a Medicare Supplement plan?

A Medicare Supplement plan, also called Medigap, is private insurance that helps pay the deductibles, coinsurance and copays Original Medicare leaves to you. It works alongside Part A and Part B instead of replacing them. Because you stay on Original Medicare, you can see any doctor or hospital in the country that accepts Medicare.

➤ How many Medicare Supplement plans are there?

There are 10 standardized plans, labeled A, B, C, D, F, G, K, L, M and N. Plans C and F can only be bought by people who first became eligible for Medicare before January 1, 2020. Massachusetts, Minnesota and Wisconsin use their own standardized plan designs.

➤ What is the most popular Medicare Supplement plan?

Plan G is a common pick for people new to Medicare. It covers everything Plan F covers except the annual Part B deductible, including Part B excess charges. Plan N is another option for people willing to accept some small copays, which may come with a lower premium.

➤ Are Medicare Supplement plans the same from every company?

Yes, the benefits are the same. A plan with a given letter covers the same things in your state no matter which insurer sells it. What changes from company to company is the premium, the pricing method used to raise rates over time, available discounts and the quality of service.

➤ What is the High-Deductible Plan G deductible for 2027?

The High-Deductible Plan G deductible is $3,050 for 2027, up from $2,950 in 2026. You pay covered costs up to that amount each year, and once you reach it the plan pays like standard Plan G for the rest of the year.

➤ When is the best time to buy a Medicare Supplement plan?

The best time is your six-month Medigap Open Enrollment Period. It begins the first month you are both 65 or older and enrolled in Part B. During that window, insurers cannot turn you down or charge you more because of your health history.

➤ Can I be turned down for a Medicare Supplement plan?

Yes, in many cases. Outside your Medigap Open Enrollment Period or a guaranteed issue situation, insurers in most states can ask health questions and decline you or charge a higher premium. New York and Connecticut allow year-round enrollment without health questions, and some other states add their own rights, so check your state’s rules.

➤ Do Medicare Supplement plans cover prescription drugs?

No. Medigap policies sold today do not include prescription drug coverage, so most people pair one with a standalone Part D plan. For 2027 the standard Part D deductible can be up to $700, and out-of-pocket drug costs are capped at $2,400.

➤ Can I have Medigap and Medicare Advantage at the same time?

No. A Medigap policy only works with Original Medicare and will not pay any costs under a Medicare Advantage plan. If you switch to Medicare Advantage you would generally drop your Medigap policy, although certain rules may let you return within your first year if you are trying Medicare Advantage for the first time.

➤ Do Medicare Supplement plans cover dental and vision?

No. Medigap only pays toward services Original Medicare covers, so routine dental care, eye exams for glasses and hearing aids are not included. If you want that coverage, you can buy a separate dental, vision or hearing policy alongside your Medigap plan.

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( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.