Medicare Supplement Plans — Fill the Gaps
Original Medicare only covers about 80% of your medical costs. A Medicare Supplement plan (also called Medigap) picks up most or all of what's left — giving you predictable, worry-free coverage.
What Gaps Does It Fill?
Original Medicare leaves you exposed to significant out-of-pocket costs. Here are the main gaps a Medigap plan can cover.
Part A deductible
$1,632 per benefit period (2024)
Part B deductible
$240 per year (2024)
Part B coinsurance
20% of all outpatient costs — no cap
Hospital coinsurance (days 61–90)
$408/day (2024)
Skilled nursing facility coinsurance
$204/day (days 21–100)
Foreign travel emergencies
Not covered by Original Medicare
A Medigap plan can cover most or all of these costs — turning unpredictable bills into a fixed monthly premium.
Most Popular Medigap Plans
Plans are standardized by the federal government — Plan G from one company covers the same things as Plan G from another. The difference is price and service.
The most popular plan today. Covers everything except the Part B deductible ($240/year). After that small deductible, you have virtually no out-of-pocket costs.
Lower premium than Plan G. Covers most gaps but you pay up to $20 for office visits and $50 for ER visits. Good for healthy people who rarely need care.
The most comprehensive plan — covers everything including the Part B deductible. Only available to those who were eligible for Medicare before January 1, 2020.
Same coverage as Plan G but with a high deductible (~$2,800). Much lower monthly premium — good for those who want catastrophic protection.
Key Things to Know
- Medigap works alongside Original Medicare — you keep your Medicare card and use any doctor who accepts Medicare.
- You pay a monthly premium to the private insurance company, plus your Part B premium to Medicare.
- Prescription drugs are NOT covered — you need a separate Part D plan.
- The best time to enroll is during your 6-month Medigap Open Enrollment Period (starts when you turn 65 and enroll in Part B).
- After open enrollment, insurers can charge more or deny coverage based on health history in most states.
Ready to Compare Medigap Rates?
I work with multiple carriers and can show you side-by-side pricing for the same plan — so you get the best rate for your situation.