Senior Health Information and Insurance Education

Medicare Supplement (Medigap) Plans

Pays some of the costs that Part A (hospital care) and Part B (doctor and outpatient care) don't cover.

These plans do not include prescription drug coverage.

How does it work?

Private companies sell individual insurance policies that fill the gaps that Original Medicare Parts A and B do not cover, like deductibles, copayments and coinsurance. The plans are standardized for easier shopping. Decide which Medigap Plan (A-N) meets your needs.

What will it cost?

  • Medigap requires a monthly premium. Premiums vary depending on your age and the coverage you choose.
  • SHIINE's Medicare Supplement Consumer's Guide lists the companies that were willing to share their pricing information. All prices are estimates as of the date the guide was printed.

How do I compare plans?

How can I enroll?

  • You must be enrolled in Original Medicare Parts A and B, to qualify for Medicare Supplement (Medigap) plans.
  • The best time to enroll in a Medicare Supplement (Medigap) plan is during the first six months in which you are enrolled in Part B.
  • You can enroll in Medicare Supplement plans by contacting the private insurance company directly. See SHIINE's Medicare Supplement Consumer's Guide for contact information.
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