Medigap Plans 2022

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Medigap Plans in 2022 are offered by several insurance companies to help pay expenses such as deductibles, coinsurance, and co-pays in Medicare Parts A and B. Medigap Plan G will be the most popular Medicare supplement plan for 2022, with the most enrollees than any other plan.

That doesn’t mean there are other great options that you should consider. Keep reading to learn what the best options for 2022 are!

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The Best Medigap Plans for 2022 are:

  • Medicare Plan G
  • Medicare Plan N
  • High-deductible Plan G
  • Medicare Plan F*
  • High-deductible Plan F*

Medigap Plans

There are currently 12 Medigap plans available, but quite honestly there really are only a few plans that most people enroll in.

Medigap insurance is offered by private insurance carriers. These plans are available because Medicare Parts A and B (Original Medicare) do not pay all your medical expenses.

There are various deductibles and coinsurance that you’re responsible for. Medigap Plans help pay most of these for you.

Medigap Plan Letters

Medigap plans are lettered A – N, each having its own set of benefits. While Plan A does in fact have the least amount of coverage, that doesn’t mean the coverage increases with each letter.

Below is a Medigap Plans comparison to help you see the different benefits within each plan letter.

Medicare Supplement Plans Comparison Chart 2022

Medicare Supplement Plans Chart 2022

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Medigap Plan G

Medigap Plan G offers the most coverage of all the Medigap plans. You may have to see Plan F on the chart above and you’re wondering about that plan. Medigap Plan F was removed for all new Medicare beneficiaries who enrolled on January 1st of 2020 and beyond.

This is because it got too expensive. If you have Plan F you can keep it, however, we would strongly encourage you to look at Medicare Plan G or Plan N to save money.

Medicare Plan G

What is Medicare Plan G?

With Plan F gone, Medigap Plan G is now the most popular Medigap plan offering 100% coverage after just one small deductible.

On Plan G, you’re required to pay what is called the annual Medicare Part B deductible. Prior to Medicare paying 80% of your medical bills, you are required to pay a small deductible once per year. In 2021 this deductible amount was $203, and in 2022 it will be closer to $210.

After this deductible is met, Medicare begins paying 80% of your medical bills and Plan G will pick up the remaining 20%.

Medicare Plan G Benefits

Other benefits of Medicare Plan G include the paying of all costs related to Medicare Part A (hospitalization). This includes the Part A deductible as well as coinsurance for hospital stays.

With Medigap Plan G you will literally pay nothing beyond your Part B deductible for all Medicare-approved expenses.

Medicare Plan N

Another great Medigap plan for 2022 is Medicare Plan N. In fact Plan N is the second most popular plan right behind Plan G, but it’s catching up fast! This is because Plan N has much lower premiums than Plan G, sometimes up to $30 less per month.

Medigap Plan N has some additional out-of-pocket expenses in its coverage in exchange for these lower premiums. However, you would have to visit the doctor very often for Plan N to not be a great deal.

Medicare Part N

Medicare Plan N Benefits

With Plan N, you’ll still have to pay the annual Part B deductible. After that is met, you could have to pay:

  • Up to a $20 co-pay per doctor’s visit (Could be $0 – $20, the max is $20)
  • A $50 co-pay if you visit the ER and you’re not admitted
  • Part B excess charges (Rare, less than 1% of doctor’s in the country charge these)

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How to Enroll in Medigap Plans in 2022

If you are new to Medicare, you may enroll in a Medigap plan at any time starting on your effective date of Medicare Part B. You do have an open enrollment period, however, where you may apply with no medical questions asked. During this time, pre-existing conditions do not matter and you are guaranteed the coverage.

This period starts on the day your Part B Medicare goes into effect and lasts for six months. That being said, you may apply for a Medigap plan at any time during the year if you have only Part A and B Medicare.

Changing Medigap Plans

If you currently have a Medigap plan and you’re wanting to change to save money, you may apply for a lower rate at any time during the year. Call us today and we’ll help you do this! 1-888-891-0229

Leaving a Medicare Advantage Plan

If you are leaving a Medicare Advantage plan to return to Original Medicare and a Medigap plan in 2022, and you are within the first 12 months of trying an advantage plan for the very first time, you can disenroll any time.

If you have been in the plan longer than 12 months, then you may disenroll and apply for a Medigap plan during the Medicare open enrollment period. This period lasts from October 15th through December 7th, and any changes go into effect the following January 1st.

Call us today and we can shop the rates and get you ready to apply for a Medigap plan on October 1st. 1-888-891-0229

Let us Help!

Regardless of your situation, the easiest way to get started is to give us a call today. We’ll shop the rates from the top companies to make sure you’re paying the least amount possible now, and for years to come.

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