by Russell Noga | Updated October 6, 2026
Most people become eligible for Medicare at 65. Medicare Parts A & B cover hospital and medical costs, but they do not cover everything. You still face deductibles, hospital coinsurance, and 20% of most Part B costs, with no annual limit.
A large bill after an extended hospital stay can upset your retirement plans. A Medigap plan brings more predictability to your healthcare costs.
Medigap policies cover some or all of what Original Medicare leaves behind, and they are sold by private insurance companies like Old Surety.
The best time to sign up for Medigap is your Medigap Open Enrollment Period, the six months starting the first day of the month you are both 65 or older and enrolled in Part B. During that window Old Surety must accept your application, even if you have pre-existing health conditions.
This review covers Old Surety’s Medigap plans for 2027: the plans it offers, what you pay, and what to know before you buy.
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Old Surety Medicare Supplement Plans at a Glance
- Old Surety offers a focused lineup of popular Medigap plans, which varies by state.
- It focuses on core Medigap coverage rather than extra perks or bundled benefits.
- Its premiums can be competitive in some areas, so it is worth including in a rate comparison.
Who Is Old Surety?
Old Surety Life Insurance Company is a family-oriented, Oklahoma-owned and operated insurer based in Oklahoma City that has been in business since 1932. It focuses on Medicare Supplement insurance.
What Medicare Supplement Plans Does Old Surety Offer?
Old Surety’s plan lineup varies by state. Depending on where you live, plans may include Plan A, Plan G and Plan N, plus Plans C and F for people eligible for Medicare before 2020. Here is what each plan covers.
Plan A – Covers the basic benefits included in every Medigap plan. It does not cover the Medicare Part A deductible. For Part B, it covers coinsurance and copayments.
Plan C – Closed to anyone who became eligible for Medicare on or after January 1, 2020. It offers near-complete coverage, including the Part B deductible, but does not cover Part B excess charges, which are amounts some doctors bill above the Medicare-approved rate. You can avoid excess charges by using doctors who accept Medicare assignment.
Plan F – Plan F is the most comprehensive Medigap plan and includes the Part B deductible. It offers “first dollar coverage,” meaning your only cost for Medicare-approved care is your monthly premium. Like Plan C, it is only available if you were eligible for Medicare before 2020.
Plan G – This plan offers near-complete coverage for Medicare Parts A & B costs. The only gap is the Part B deductible ($283 in 2026). It is the most popular choice for people new to Medicare.
Plan N – Where available, Plan N covers most of what Plan G does for a lower premium, with copays of up to $20 for some office visits and up to $50 for ER visits that do not end in admission.
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Old Surety Medicare Supplement Plans – Benefits & Coverage
Medigap benefits are standardized by federal law, so a Medigap plan from Old Surety has exactly the same benefits as the same plan letter from any other company.
Every Medigap plan includes these basic benefits for Original Medicare Parts A & B:
- Part A coinsurance and hospital costs for up to 365 extra days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Part B coinsurance or copayment
- The first three pints of blood
*Plans C & F are only available to people who were eligible for Medicare before January 1, 2020. If that is you, you can apply for Plan C or F with Old Surety, but outside your Open Enrollment Period you may have to pass medical underwriting.
Medical underwriting looks at your health history, and the insurer can charge more or decline your application. You may qualify for a guaranteed issue right that lets you skip underwriting.
Contact our team and we will review your situation to see which Old Surety plans you can get.
What Old Surety Medicare Supplement Plans Don't Cover
Medigap plans pay all or part of your share of costs for services Original Medicare covers. They do not cover services Medicare does not cover, such as long-term custodial care in a nursing home or private-duty nursing.
They also do not cover care Medicare considers not medically necessary, such as routine chiropractic, podiatry or acupuncture visits. Medigap also does not cover routine vision, hearing and dental care or prescription drugs.
Old Surety Medicare Supplement Plans – Premiums
Old Surety sets premiums based on factors like your age, gender, ZIP code and tobacco use. In an earlier rate check, these were example Old Surety Medigap premiums for a 65-year-old nonsmoking woman in Oklahoma:
*Rates change over time, and your premium depends on your own details. Contact us for a current free quote.
Old Surety Medicare Supplement Plans – Additional Benefits & Discounts
Old Surety keeps things simple. It does not market extra perks like gym memberships or dental bundles with its Medigap plans. Whether its premiums beat other companies depends on your state and age, so compare it side by side before you buy.
Old Surety Medicare Supplement Plans – Ratings & Reviews
Old Surety has served Medicare beneficiaries for decades. As with any insurer, check its current financial strength ratings and rate increase history before you enroll. We review both when we compare companies for you.
Old Surety Medicare Supplement Plans in 2027
Medigap benefits are set by federal law, so Old Surety’s plans cover the same things in 2027 as they do today. What can change are premiums and the Medicare deductibles, which Medicare announces later in the fall. See our guide to Medicare Supplement Plans 2027.
Losing your Medicare Advantage plan for 2027? If your plan is leaving Medicare or stops serving your area, you generally have a guaranteed issue right to buy certain Medigap plans without medical underwriting. The right generally ends 63 days after your Medicare Advantage coverage ends.
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Frequently Asked Questions
What are the key features of Old Surety Medicare Supplement plans?
Old Surety Medicare Supplement plans fill the gaps in Original Medicare, covering costs such as hospital coinsurance and, depending on the plan, deductibles. You can see any healthcare provider in the U.S. that accepts Medicare.
Who is eligible to enroll in Old Surety Medicare Supplement plans?
Eligibility for Old Surety Medicare Supplement plans requires enrollment in Medicare Part A and Part B and living in a state where Old Surety sells coverage. Most buyers are 65 or older. Rules for people under 65 vary by state.
What is the difference between Medicare Supplement Plan G and Plan N?
Plan G covers the Part A deductible, Part B excess charges and skilled nursing coinsurance, with no copays. Plan N offers similar coverage for a lower premium, but with copays of up to $20 for some office visits and up to $50 for some ER visits, and no coverage for excess charges. Ask us whether Old Surety offers Plan N in your state.
Are there any extra benefits or perks with Old Surety Medicare Supplement plans?
Old Surety focuses on core Medigap coverage and does not market extra perks like fitness or dental bundles. Plans that include it, such as Plan G and Plan N, do cover foreign travel emergencies up to plan limits.
How do I enroll in an Old Surety Medicare Supplement plan?
Call our licensed agents at 1-888-891-0229. We will compare Old Surety against other top companies in your area, help you choose the right plan, and handle the application with you at no cost.
Do my doctors accept Old Surety Medicare Supplement plans?
If your doctor accepts Medicare, they accept Old Surety’s Medigap plans. There is no network. Ask whether your doctor accepts Medicare assignment to avoid any excess charges.
What should I consider when comparing Old Surety Medicare Supplement plans?
Compare the same plan letter across companies on premium, rate increase history, financial strength and customer service. Because coverage is identical, those factors are what set companies apart.
Can I switch from another Medicare Supplement plan to Old Surety?
Yes. You can apply to switch any time of year, but in most states you may have to answer health questions. Keep your current plan until your new policy is approved.
Where can I get more information about Old Surety Medicare Supplement plans?
Talk with a licensed insurance agent. Call us at 1-888-891-0229 for current Old Surety rates side by side with other top companies in your state.
Call Us for More Information on Old Surety Medicare Supplement Plans
Call our team at 1-888-891-0229 for a free consultation on Old Surety Medigap plans. We will review your healthcare needs and help you enroll in the right plan, and our licensed agents will find you the best monthly premium.
If you cannot call now, complete the contact form on this site and we will call you back. Or use the quoting tool on this site to get free quotes from Old Surety and other companies in your state.
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.