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How to compare Medigap policies | Medicare

What is the best and cheapest medicare supplement insurance

Video What is the best and cheapest medicare supplement insurance

Find out which insurance companies sell medigap policies in your area.

medigap policies are standardized

Any medigap policy must comply with federal and state laws designed to protect you, and must be clearly identified as “medicare supplemental insurance.” insurance companies can only sell you a standardized policy identified in most states by letters.

all policies offer the same basic

but some offer additional benefits, so you can choose which one suits your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Each insurance company decides which medigap policies it wants to sell, although state laws may affect which ones they offer. insurance companies that sell medigap policies:

  • does not have to offer all medigap plans
  • must offer a medigap plan if they offer any medigap policy
  • must also offer plan c or plan f if they offer any plan
  • medigap plans

    compare medigap plans side by side

    The table below shows basic information about the different benefits that medigap policies cover.

    ​ = the plan covers 100% of this benefit​ = the policy does not cover that benefit % = the plan covers that percentage of this benefit n/a = not applicable

    compare medigap plans

    $6620 in 2022

    $3310 in 2022

    * f and g plans also offer a high deductible plan in some states. With this option, you must pay Medicare-covered costs (coinsurance, copays, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (Plans c and f are not available to people who were newly eligible for medicare on or after January 1, 2020).

    ** For plans k and l, after you meet your annual out-of-pocket limit and your annual part b deductible, the medigap plan pays 100% of covered services for the rest of the calendar year.

    *** plan n pays 100% part b coinsurance, except up to $20 copay for some office visits and up to $50 copay for non-hospital emergency room visits .

    you live in massachusetts, minnesota or wisconsin

    if you live in one of these 3 states, medigap policies are standardized in a different way.

    • you live in massachusetts
    • you live in minnesota
    • you live in wisconsin
    • for more information

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