What Medigap does
Medicare Supplement insurance, often called Medigap, is private insurance designed to help pay certain Original Medicare deductibles, copayments, and coinsurance. You still have Part A and Part B. You generally need a separate Part D plan for prescriptions.
Standardized plan letters
In most states, Medigap benefits are standardized by letter. Plan G and Plan N are the letters most new Medicare beneficiaries compare today. Plan F is generally not available to people who became eligible for Medicare on or after January 1, 2020.
When you can buy with fewer health questions
Federal guaranteed-issue rights are strongest during your Medigap open enrollment period — typically the 6 months after you are 65 or older and enrolled in Part B. Outside that window, insurers in many states may use medical underwriting. California has additional rules that can matter; a licensed agent can explain what applies to you.
Premiums are not the only number
Compare benefits, household discounts, rate history, and whether you want nationwide provider access with Original Medicare. Premiums vary by company, ZIP code, age, and tobacco use. No page on this site can tell you which company or letter is “best.”
Want the full story? Get my book. Medicare 2026: Choose the Right Plan & Avoid Costly Mistakes walks through how Medicare is built. It does not pick a plan.
2026 figures
Medigap Open Enrollment window
The 6-month Medigap window after you are 65 and enrolled in Part B — not the Birthday Rule.
2026 figures
Plan G vs Plan N cost sketch
You type the premiums. We add 2026 Part B deductible and Plan N copays. Not a quote.