Medicare Supplements for Medicare Can Fill the Gap

Private healthcare insurance companies offer Medicare Supplement Plans to cover the costs that Original Medicare does not. These plans are standardized and regulated, giving you predictable, reliable coverage for out-of-pocket costs.

• Plans F, G, N, and more
• Prescription Drug Plans (Part D) (sold separately)
• Comprehensive coverage for expenses like coinsurance and deductibles

Your Initial Enrollment Period is generally the BEST time to enroll in a Medicare Supplement Plan. Coverage can begin on the first day of the month you turn 65, as long as you’re enrolled in Part A and Part B.

This period lasts for six months and offers:

• Guaranteed Issue Rights: You cannot be denied coverage or charged higher premiums based on your health.
• No Underwriting: Insurance companies cannot impose waiting periods or exclusions during this time.

Once your Initial Enrollment Period ends, underwriting may be required, and you could face higher costs or limited options.

There are a variety of Medicare Supplement Plans to meet different needs. These plans are typically named:

Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N.

These plans help cover out-of-pocket expenses not paid by Original Medicare, including:

• Coinsurance
• Copayments
• Deductibles

Each plan provides different levels of coverage:

• Plan F: Covers all out-of-pocket expenses for those eligible before January 1, 2020.
• Plan G: Offers comprehensive coverage except for the Part B deductible.
• Plan N: Covers most expenses but requires small copayments for doctor visits and emergency room trips.

Each insurance company sets its own premiums, but the benefits for each plan are standardized, meaning the coverage for a Plan G is the same no matter which insurer you choose.

• Plan Changes in 2025: Plans C and F are no longer available to new Medicare beneficiaries, but remain open to those eligible before January 1, 2020.
• Cost Caps: Plans K and L cap out-of-pocket expenses and cover 100% of costs once the limit is reached.
• Prescription Coverage Not Included: MedSupp plans do not include Part D. You’ll need a stand-alone Prescription Drug Plan (Part D) to cover medications.
• Cannot Combine with Medicare Advantage: You cannot have both a Medicare Supplement and a Medicare Advantage Plan.

Q: Can premiums vary across insurance companies?
A: Yes, while benefits are standardized, premiums can differ between carriers.

Q: Can I change my Medicare Supplement Plan later?
A: Yes, but after your Initial Enrollment Period, you may need to undergo underwriting.

Q: Are all plans available from every insurance company?
A: No, insurers are not required to offer all plans. Availability may vary by provider.

Q: Is the U.S. Government connected to MedSupp plans?
A: No, these plans are offered by private insurance companies and are not endorsed by Medicare or the federal government.