| | Healthcare Industry | Medicaid

Medigap Insurance: Plans, Coverage, Costs, and Enrollment Guide

Medigap (Medicare Supplement Insurance) is private insurance that fills "gaps" in Original Medicare (Parts A & B) coverage—copayments, coinsurance, and deductibles.

How Medigap Works

Pays after Medicare pays its share.
Standardized plans (A, B, C, D, F, G, K, L, M, N) — each letter offers identical benefits regardless of insurer (in most states).
Plan G and Plan N are currently the most popular for new enrollees (Plan C/F closed to those eligible after 1/1/2020).
Does not include Part D drug coverage (separate purchase required).
Does not work with Medicare Advantage (Part C).

What Plans Cover (Key Benefits)

Costs and Enrollment

Premiums: Vary by plan, insurer, age, gender, ZIP code, tobacco use, and rating method (community-rated, issue-age, attained-age). Typical range: $100–$300+/month for Plan G.
Best time to enroll: Medigap Open Enrollment Period — 6 months starting with Part B enrollment at age ≥65. Guaranteed issue: No medical underwriting, no pre-existing condition exclusions.
After OEP: Medical underwriting applies in most states (except CT, MA, ME, NY, WA with continuous protections).
Special enrollment rights: Loss of other coverage, moving, plan termination, etc.

Decision Factors

Budget vs. predictability (Plan G = near-zero out-of-pocket; Plan N = lower premium, small copays).
Travel needs (foreign travel benefit).
Provider access (any Medicare provider nationwide).
Financial stability of insurer.

Resource: Use Medicare's Plan Finder (medicare.gov) or consult a licensed independent agent to compare plans in your area.

Medicaid - Related Articles

Benefit	Plan G	Plan N
Part A coinsurance & hospital reserve days	✓	✓
Part B coinsurance (20%)	✓	✓* (copays up to $20/office, $50/ER)
Part A deductible ($1,632 in 2024)	✓	✓
Part B deductible ($240 in 2024)	✗	✗
Part B excess charges (15% above Medicare)	✓	✗
Foreign travel emergency (80% after $250 ded)	✓	✓