Standardized benefits
In most states, every policy with the same letter provides the same basic benefits, regardless of the company selling it.
Medigap
Medigap helps fill the financial gaps.
Medigap does not generally add services Original Medicare does not cover. It helps pay certain costs that Original Medicare leaves to you—such as deductibles, copayments, and coinsurance.
Let’s talk about itThe important distinction
Financial gaps, not service gaps.
You pay an additional monthly premium for a Medigap policy. In return, the policy helps with the Medicare-covered costs specified in that plan.
Medigap works with Original Medicare, not with Medicare Advantage. And routine dental, vision, hearing aids, and long-term care aren’t covered by Original Medicare in the first place — so no Medigap plan fills those gaps. Those need separate coverage.
What varies
The letter determines the benefits.
Different premiums
Companies can charge different premiums for the same lettered benefits, making comparison important.
Eligibility matters
Plans C and F have eligibility restrictions tied to whether you were eligible for Medicare before January 1, 2020.
Timing matters
Your Medigap Open Enrollment Period and guaranteed-issue rights can affect your choices and whether medical underwriting is allowed.
One conversation at a time
Not sure which Medigap plan fits you?
That’s exactly what I’m here for. Let’s talk about it.