💡 Medicare Supplement Plans (Medigap)

💡 What is Medigap?

Medigap, also known as Medicare Supplement Insurance, helps pay for the out-of-pocket costs that Original Medicare (Parts A & B) doesn’t cover—like deductibles, coinsurance, and copays.

You keep your Original Medicare and add a Medigap plan to help fill in the financial “gaps.” You’ll also need a separate Part D plan for prescriptions, since Medigap doesn’t include drug coverage.

✔️ What’s Included in Medicare Supplement Plans?

Medigap plans may help cover:

  • Part A (hospital deductible)

  • Part A & B coinsurance

  • Part B excess Charges

  • Extra covered options such as:

    • First 3 pints of blood

    • Hospital coinsurance

    • Hospice coinsurance

    • Skilled nursing facility coinsurance

    • Emergency foreign travel (up to plan limits)

Bonus: You can see any doctor or hospital in the U.S. that accepts Medicare—no networks, no referrals.

Premiums vary based on:

  • Your age

  • Location

  • The plan letter you choose (like G, N, or High-Deductible G)

  • The insurance company offering the plan

On average:

  • Plan G: $100–$180/month

  • Plan N: $80–$150/month

  • High Deductible Plan G: $40–$70/month (but higher out-of-pocket exposure)

We’ll compare quotes from top carriers to help you find the best rate.

🛑 Disclaimer: The information above is for educational purposes only and does not guarantee coverage or premiums. Medigap plans are standardized, but premiums and eligibility vary by state and insurer. Always consult a licensed agent for personalized recommendations.

📋 What’s the Catch?

While Medigap offers predictable costs and nationwide access to providers, here are a few things to keep in mind:

  • Doesn’t include prescription coverage (you’ll need a separate Part D plan)

  • Doesn’t include dental, vision, or hearing (but these can be added separately)

  • Best time to enroll is during your Medigap Open Enrollment Period (6 months after you start Part B)—otherwise you may have to answer health questions

🧭 Types of Medicare Supplement (Medigap) Plans

🧭 Medigap Roadmap: Which Plan Is Right for You?

Let’s find your best-fit Medicare Supplement plan based on your comfort with monthly premiums, out-of-pocket costs, and coverage needs.

You Might Benefit From a Medigap Plan If:

  • You travel frequently and want nationwide coverage

  • You prefer no network restrictions

  • You like knowing your costs upfront

  • You’re concerned about unexpected hospital bills

  • You want to pair it with your own Part D prescription plan

What Medigap Plans Don’t Cover:

  • Prescription drugs (Part D sold separately)

  • Dental, vision, or hearing (these can be added)

  • Long-term care or custodial care

The information provided on this website is intended to help you better understand your Medicare choices. While it is based on publicly available sources such as Medicare.gov and the Centers for Medicare & Medicaid Services (CMS), this content has been created by Peterson Insurance Solutions, operating under the brand Faithfully Planned. We are not affiliated with or endorsed by the federal government or the Medicare program. For personalized advice, please consult official resources or speak directly with a licensed insurance agent.