Medicare Supplement (Medigap) Plans
Medicare Supplement plans, also called Medigap, help cover the out-of-pocket costs that Original Medicare doesn’t pay. These private insurance plans work alongside your Medicare Part A and Part B to provide more predictable healthcare expenses.
What Medigap Does
What Medigap Covers
- Medicare Part A and B deductibles
- Copayments and coinsurance
- Skilled nursing facility coinsurance
- Blood (first 3 pints)
- Hospice coinsurance
- Emergency foreign travel (in some plans)
What Medigap Does Not Cover
- Prescription drugs (you need a Part D plan for this)
- Dental, vision, or hearing
- Long-term care
- Private-duty nursing
Key Benefits
- Nationwide coverage — see any doctor that accepts Medicare
- No referrals needed
- Predictable costs
- Standardized plan options (Plan G, Plan N, etc.)
Plan Options
Popular Medigap Plans
Plan G
Covers nearly all out-of-pocket Medicare costs except the Part B deductible. Most popular for new beneficiaries.
Plan N
Lower premiums, small copays for office visits and ER trips.
High-Deductible G
Lower monthly premium in exchange for a higher annual deductible.
Cost and Eligibility
Costs Vary By
- ZIP code
- Age
- Tobacco use
- Insurance company
- Specific plan selected
Eligibility
You must be enrolled in Medicare Part A and Part B.
You cannot have Medigap and Medicare Advantage at the same time.
Enrollment
When You Can Enroll
Medigap Open Enrollment Period:
Starts the month you are 65 and enrolled in Part B — no health questions required.
After this window, you may be subject to medical underwriting in most states.
How We Help
Our licensed advisors can walk you through the Medicare Supplement options available in your area and help you compare premiums, coverage, and benefits so you can choose the plan that fits your needs.
TruLife Advantage is not connected with or endorsed by the U.S. government or the federal Medicare program.
We may not offer every plan available in your area. For a complete list of options, visit Medicare.gov or call 1-800-MEDICARE.