Plans & products
Medicare Supplements
Medigap plans exist for one reason: Original Medicare leaves deductibles, copays and coinsurance on your side of the table, with no annual limit. A Supplement plan takes those over, turning unpredictable medical bills into one predictable premium.
Private insurers sell them, the federal government standardizes them, and the result is the most predictable coverage in Medicare.
What Medicare Supplements cover
The "gaps" these plans fill are the costs Original Medicare hands back to you:
- Part A deductible and coinsurance (hospital costs)
- Part B coinsurance and copayments (doctor visits, outpatient services)
- Skilled nursing facility care coinsurance
- First three pints of blood needed for a medical procedure
- Foreign travel emergency care (up to plan limits)
What Medigap never includes: drug coverage, dental, vision, hearing, and long-term care. Those need their own plans.
Standardized Medicare Supplement plans
Federal standardization means a Plan G is a Plan G, no matter whose logo is on the card. Companies compete only on price and service, which makes shopping refreshingly simple.
| Medigap Plan | Key Benefits | Ideal For |
|---|---|---|
| Plan G | Covers everything except the Part B deductible | Most comprehensive coverage available for new enrollees |
| Plan N | Lower premiums, small copays for office visits and ER visits | Those willing to trade small out-of-pocket costs for savings |
| Plan A | Basic benefits, no Part A deductible coverage | People wanting minimum supplement coverage |
| Plan F | Covers all Medicare-approved costs | Only available to those eligible before January 1, 2020 |
Worth knowing: Plan F closed to anyone who became eligible on or after January 1, 2020. If you already hold it, you can keep it.
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Book Your AppointmentMedicare Supplement vs. Medicare Advantage: what's the difference?
| Feature | Medicare Supplement (Medigap) | Medicare Advantage (Part C) |
|---|---|---|
| Provider Choice | See any doctor who accepts Medicare nationwide | Use network providers (HMOs, PPOs) |
| Out-of-Pocket Costs | Minimal after premium and deductible | May have copays, coinsurance, and out-of-pocket maximums |
| Prescription Drugs | Separate Part D plan needed | Often included in Advantage plans |
| Extra Benefits | Limited | May include dental, vision, hearing, fitness |
| Travel Coverage | Foreign travel emergency coverage (some plans) | Emergency care usually in U.S. only |
How much does a Medicare Supplement cost?
Five things move a Medigap premium:
- How the insurer rates age: attained-age, issue-age, or community-rated
- Your state and ZIP code
- The company itself, since identical plans carry different prices
- Gender, where state law allows it
- Your health, once your guaranteed issue window has passed
Ballpark figures: Plan G commonly lands between $100 and $300 a month, Plan N a notch lower at roughly $80 to $250.
Since the benefits are identical by law, the only smart move is comparing prices across several insurers. That comparison is exactly what we do.
When can you enroll in a Medicare Supplement plan?
One window beats all others, your Medigap Open Enrollment Period:
- Opens: the month you are 65 or older with Part B active.
- Runs: six months.
- Why it matters: during it, no insurer can turn you down or price you up for health reasons.
After it closes, medical underwriting enters the picture and acceptance stops being guaranteed.
Final thoughts
A Supplement plan is the closest Medicare gets to set-it-and-forget-it: any doctor who takes Medicare, bills that stay predictable, and coverage that never changes underneath you. Plan G buys maximum protection; Plan N trades small copays for a lower premium.
Legacy Life Group shops the same plan across multiple A-rated carriers to find you the identical coverage at the better price.
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