Medigap Plans | Alight Retiree Health

Medigap Plans

Also known as Medicare Supplement Insurance, Medigap plans help fill “gaps” in coverage that Original Medicare doesn’t cover and can help pay some of the unpaid out-of-pocket health care costs, like copays, coinsurance, and deductibles. With this option, most people buy two separate plans—a Medigap plan for medical expenses and a Part D prescription drug plan for medications.

To enroll in a Medigap plan, you must be enrolled in Original Medicare Parts A and B. You’ll pay a monthly premium in addition to your monthly Medicare Part B premium. If you choose a Medigap plan, and want coverage for medications, you must enroll in a separate prescription drug plan.

Even if you have health conditions, all standardized Medigap plans are guaranteed renewable, meaning insurance companies can’t cancel your plan if you’re making your premium payments. Your policy will also renew automatically each year.

Did you know

If you have a Medigap plan, you can change plans anytime, subject to underwriting. You don’t have to wait until annual enrollment. If you want to keep your plan, it will automatically renew every year.

Types of Medigap plans

A variety of Medigap plans are available. Each plan provides different benefits, so it’s important to compare before deciding. Your monthly premium is based on the coverage offered and the insurance company you choose.

Note: Plans C and F aren’t available to people newly eligible for Medicare on or after January 1, 2020. If you were eligible before this date, or if you already have or were covered by Plan C or F (or the Plan F high deductible version) before January 1, 2020, you can keep your plan if you wish.

Coverage by plan type = Pays 100% of the benefit cost. = Pays 0% of the benefit cost									Medicare eligible before 2020 only
Coverage	A	B	D	G¹	K²	L²	M	N³	C	F¹
Medicare Part A coinsurance and hospital costs (up to 365 days after Medicare benefits are used up)
Medicare Part B coinsurance					50%	75%
Blood (first three pints)					50%	75%
Medicare Part A hospice care coinsurance or copayments					50%	75%
Skilled nursing facility care coinsurance					50%	75%
Medicare Part A deductible					50%	75%	50%
Medicare Part B deductible
Part B excess charges
Foreign travel emergencies (up to plan limits)			80%	80%			80%	80%	80%	80%

1 Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copay, and deductibles) up to the deductible amount of $2,870 in 2025.

2 For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year. 3 Plan N pays 100% of the Part B coinsurance, except for a copay of up to $20 for some office visits and up to a $50 copay for emergency room visits that don’t result in inpatient admission. Medigap plans are standardized differently in Massachusetts, Minnesota and Wisconsin. Visit our website to review the plans available in your area or discuss your options with an Alight licensed Benefits Advisor.

For details on deductibles and costs, visit medicare.gov.