Medicare Supplement Plans (Medigap)
Fill the gaps Original Medicare leaves behind. Predictable costs, any doctor, nationwide coverage.
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What is Medigap, and how does it work?
Medigap (Medicare Supplement) is private insurance that works alongside Original Medicare to help pay the out-of-pocket costs Parts A and B leave behind, like coinsurance and deductibles. You keep access to any doctor or hospital that accepts Medicare — no networks and no referrals. In exchange for a monthly premium, your healthcare costs become far more predictable.
New to Medicare? Start with Understanding Medicare basics.
Unlike Medicare Advantage, Medigap lets you see any doctor who accepts Medicare, anywhere in the country. No networks. No referrals.
See any provider who accepts Medicare, no networks, no referrals needed.
How do Medigap Plans G, N, and F compare?
Plan G is the most popular choice for people new to Medicare: it covers nearly everything except the small annual Part B deductible. Plan N has a slightly lower premium but adds modest copays and doesn't cover Part B excess charges. Plan F is the most complete, but it's only available to people who became eligible for Medicare before January 1, 2020.
| Benefit | Plan G | Plan N | Plan F* |
|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 extra days) | Covered | Covered | Covered |
| Part B coinsurance or copayment | Covered | Covered—copays may apply | Covered |
| Blood (first 3 pints) | Covered | Covered | Covered |
| Part A hospice care coinsurance or copayment | Covered | Covered | Covered |
| Skilled nursing facility care coinsurance | Covered | Covered | Covered |
| Part A deductible | Covered | Covered | Covered |
| Part B deductible | Not covered | Not covered | Covered |
| Part B excess charges | Covered | Not covered | Covered |
| Foreign travel emergency (up to plan limits) | Covered | Covered | Covered |
| See any doctor that accepts Medicare (no networks) | Yes | Yes | Yes |
Covered means the plan pays 100% of that benefit after Medicare pays its share. Covered—copays may apply means Plan N covers the benefit but may charge a small copay (up to $20 for some office visits and up to $50 for emergency visits that don't lead to admission). Not covered means you pay that cost yourself - for example, the Part B deductible is $257 in 2026.
*Plan F is only available to those who became eligible for Medicare before January 1, 2020.
When can I enroll in a Medigap plan?
Your best window is the six-month Medigap Open Enrollment Period that begins when you're 65 and enrolled in Part B — during it you can't be turned down or charged more for health reasons. Outside that window you may face medical underwriting. If you're weighing a switch, it's worth reviewing your options before that window closes.
Open Enrollment
Ideal time to enroll is during your 6-month Medigap Open Enrollment Period, starting when you're 65 and enrolled in Part B.
Switching Plans
You can switch Medigap plans, but you may face medical underwriting outside your open enrollment window.
Don't Wait
Waiting past your open enrollment period can mean higher premiums or denial of coverage based on health history.
Should I choose Medigap or Medicare Advantage?
Neither is universally better — it depends on how you like to get care. Medigap offers broad provider freedom and predictable costs for a higher monthly premium; Medicare Advantage bundles extra benefits (often with a $0 premium) but uses provider networks and copays. We compare both against your doctors, prescriptions, and budget at no cost.
- Medigap complements Original Medicare - you keep Parts A & B and add predictable cost coverage. See any doctor nationwide.
- Medicare Advantage replaces Original Medicare with an all-in-one plan. Often includes extra benefits but uses provider networks.
Quick Comparison
Important: Plan F Availability
Plan F is only available to those who became eligible for Medicare before January 1, 2020. If you became eligible after that date, Plan G is the most comprehensive Medigap option available to you. Plan G covers everything Plan F does except the Part B deductible.