Medicare Supplement (Medigap) pays 100% of Original Medicare out-of-pocket costs (Parts A & B) through standardized plans sold by private insurers. Plans G & N most popular (2026), covering $1,736 Part A deductibles and unlimited 20% Part B coinsurance. Average premiums $120–$300/month depending on age, location, and plan.
Medicare Medigap: Complete Coverage for Original Medicare
2026 Key Facts:
- No networks — any doctor accepting Medicare
- Covers $1,736 Part A deductible (multiple stays/year)
- Pays 100% Part B coinsurance (no $5K–$15K exposure)
- Works with Part D (separate Rx coverage)
- Guaranteed renewable — can’t be canceled if premiums paid
What Medigap Covers (Plans G/N)
Part A: $1,736 deductible (every benefit period), $387–$774/day hospital days 61+, unlimited extra hospital days
Part B: $283 deductible, 100% 20% coinsurance, Part B excess charges (Plan G)
Extras: 3 pints blood, hospice copays, 80% foreign travel
Medigap Does NOT Cover: Prescription drugs (Part D), dental/vision/hearing, long-term care
Medigap Enrollment Windows (Critical)
Medigap Open Enrollment: 6 months from Part B effective date → Guaranteed issue, no health questions
Annual Enrollment: Oct 15–Dec 7 (limited options, underwriting applies)
No Late Penalty but underwriting risk if health changes and you don’t signup in your initial enrollment period.
Perfect for Predictable Budgeting
Choose Medigap if: You value doctor freedom, frequent hospital, chronic conditions, snowbird travel
Choose Part C if: $0 premium, dental/vision, healthy/low utilization
Fill the Gaps in Your Medicare Coverage
Original Medicare leaves you responsible for deductibles, coinsurance, and out-of-pocket costs that can add up quickly. Medigap plans are designed to help cover those gaps, giving you more predictable healthcare expenses and the freedom to see any doctor that accepts Medicare. By comparing available Medigap plans, you can understand coverage differences, pricing, and enrollment timing, so you can choose a plan that supports your health needs and financial peace of mind.
MEDICARE DISCLAIMER: It’s possible that we do not offer every plan in your area. We represent a number of Medicare Advantage organizations throughout the country which offer products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.