What It Is

Medigap works with Original Medicare (A & B) to help pay deductibles, coinsurance, and copays. You must have Parts A and B to enroll.

Key Benefits

• Predictable out-of-pocket costs
• Access in various states
• Often includes limited foreign travel emergency benefit
• Guaranteed renewable (as long as premiums are paid)

Popular Plans Today

• Plan G: Comprehensive for new enrollees (excludes the Part B deductible)
• Plan N: Lower premiums with small copays; no Part B excess charges (state rules vary)
• High-Deductible G: Lower premium, higher deductible

Enrollment Timing

Your Medigap Open Enrollment is the 6-month period that starts when you’re 65+ and Part B is active. During this window you can enroll without medical underwriting. Afterward, health questions may apply.

Medigap vs. Advantage

Medigap = predictable costs, broad access. Advantage = lower premiums and extras, but networks and authorizations may apply. You can’t have both at once.

Compare Medigap Plans