Aflac Medicare Supplement Plans 2027

Not every insurer sells every plan letter in every state. Confirm Aflac’s lineup in your state.

Original Medicare leaves gaps, and a Medicare Supplement plan is designed to fill them. It can pay these costs:

What each plan letter covers is set precisely by federal law, so a given letter carries identical benefits from every insurer in your state.

*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.

Most people new to Medicare choose one of these three. Plan G covers every gap except the Part B deductible. Plan N trades a lower premium for copays of up to $20 for some office visits and up to $50 for ER visits that do not lead to admission, and it does not cover Part B excess charges. High-Deductible Plan G has a $3,050 deductible for 2027, up from $2,950, then covers like Plan G. See Plan G vs Plan N.

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.

In certain situations, federal law also grants guaranteed issue rights, generally within 63 days of other coverage ending:

In 2027, a standalone Part D plan can have a deductible of no more than $700 and an out-of-pocket cap of $2,400. Buy it with Medigap to avoid a late enrollment penalty that lasts for life.

When you turn 65 in 2027, you get a seven-month Initial Enrollment Period: the three months before your birthday month, the birthday month itself and the three months that follow. If you sign up in the first three months, coverage begins on the first day of your birthday month.

When your income and savings are limited, two programs can greatly lower your Medicare costs:

If you qualify for both Medicare and full Medicaid, you may also be able to join a Dual Special Needs Plan. See help for low-income Part D beneficiaries.

Rather than paying all of most costs, Plans K and L pay a portion: Plan K covers 50% and Plan L covers 75% of most cost sharing, leaving the remainder to you. In return for their lower premiums, both carry an annual out-of-pocket limit set by Medicare each year. After you hit that limit, the plan covers 100% of covered services for the remainder of the year.

These plans may fit people who want catastrophic protection for a lower premium and can manage some costs along the way. Check whether your insurer sells Plan K or L in your state.

Only Plans C and F cover the Part B deductible. Since January 1, 2020, they have not been sold to people newly eligible for Medicare. If you became eligible for Medicare before that date, even without enrolling, you may still be able to purchase Plan C or F, including a High-Deductible Plan F that has the same $3,050 deductible for 2027.

For most people eligible to buy either, set the yearly premium gap between Plan F and Plan G against the Part B deductible. If the extra cost of Plan F exceeds what it saves you on the deductible, Plan G is the better value.

You do not need to compare plans by yourself, and help should not cost you anything. Here are the free options:

Gather your Medicare card, a list of your drugs and doses, your doctors and your preferred pharmacies before you call. That way a long conversation becomes a quick one.