Medigap in 2023

Compare affordable Medicare Plans

Original Medicare is made up of Part A (hospital coverage) and Part B (Doctor’s Services), and both parts have coverage gaps. These gaps are expenses that you’re required to pay, such as deductibles, coinsurance, and copays.

Medigap or a Medicare Supplement plan (same thing!) helps to cover and pay for these gaps for you.


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When you have Original Medicare, the plan will help you pay most of the cost of your medical bills. But you are responsible for 20% of the cost. In addition to that, the said plan has deductibles and other gaps that you need to take care of.

Medicare is a national program so you can visit any doctor across the US. Medigap plans also follow Original Medicare.

In that case, if Traditional Medicare covers the healthcare service, your Medigap plan will pay a portion of the cost not covered by Medicare.

One reason people choose Medigap over a Medicare Advantage plan is that it lets them pick any doctor, as it supplements Medicare so there is no network.


What is Medigap?

As mentioned, it covers all or a part of your medical bills. As a Medicare Supplement plan, Medicare plans are all standardized. It means that a Plan F in Florida, for instance, has the same coverage as a Plan F in California.

However, even though the coverage is the same no matter where you are in the US, the monthly premium depends on the state where you live in.

Private companies sell Medicare Supplements. Despite that, the policies still follow all Medicare guidelines when it comes to coverage. In that case, Medigap plans do not pay for your long-term care. They also do not cover, dental hearing and private nursing care.

Even though there are limits, Medigap coverage includes Part A and B coinsurances, Part B additional charges, three pints of blood every year, Part A deductible, and a lot more. You can also find policies that pay for foreign travel emergencies, as well as the Part B deductible.

There is a 6-month Medigap open enrollment period where you may enroll in any Medigap plan with no medical questions asked.

Medicare Part A and B

Medicare Supplement Plans 

Medigap plans are designated in letters and offered by several different insurance companies in all 50 states. These are different from Medica

re Advantage plans.

Regardless of the company offering a plan letter, they all have the exact same coverage. But each company has different rates for the exact same thing, which is why it’s important to let us help you find the best coverage to meet your needs at the lowest monthly premium.

Our service is entirely FREE!

Medigap Plans

Medigap plans
  • Medigap Plan G
  • Medigap Plan N
  • High-deductible Medigap Plan G
  • Medigap Plan F*
  • Medigap Plan F*


*Plan F is no longer available to anyone enrolled in Medicare on January 1st of 2020 or later

Medigap Plan G

Medigap Plan G is now the highest coverage Medigap plan offered to people new to Medicare. With just one small deductible and then 100% coverage, Plan G offers outstanding coverage for people on Medicare.

Plan G can also save you quite a bit of money over Medigap Plan F.

With Medigap Plan G your only out-of-pocket expense is the annual Medicare Part B deductible. In 2023 this deductible is $226. Once you pay the first $226 of your medical bills, Medicare will pay 80% of all approved expenses and Plan G will pay the difference.

There are no other expenses to pay for either hospital coverage or doctor’s bills.

Medicare Plan G

Medigap Plan G – Takeaways

  • There is no network with Medigap plans. Visit any doctor, hospital, or specialist in the country that accepts Medicare
  • You do not need a referral to see a specialist
  • There are no copayments
  • You pay nothing after the annual Part B deductible
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Medigap Plan N

Medigap Plan N is a very popular plan offering great coverage at a lower cost than Plan G.

In exchange for the lower cost, you might have some other expenses to pay when you see your doctor. After you meet your annual Part B deductible with Plan G ($226 in 2023) you might have to pay a small copay for each doctor’s visit.

This copay is never more than $20 and could be less. If you have a telehealth visit you will not receive a copay. Other expenses are listed below.

Medicare Plan N

Medigap Plan N Expenses

  • $20 copay per doctors visit once the deductible is met
  • A $50 copay if you visit the emergency room and you’re not admitted
  • Plan N does not cover Medicare Part B excess charges (very rare and not even charged in: CT, MN, OH, RI, PA, MA, VT, or NY)
Medicare Plan N Rates

Which Medigap Plan is Best for you?

We can easily help you determine which Medigap plan fits your needs best, both for coverage as well as your budget.

The difference between Medigap Plan G and N could be up to $30 per month, so it’s important to let us help in checking rates in your area.

Our service is free and we are one of the highest-reviewed Medigap companies online.

Call today to get started!

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