✔ Step #4 - Choosing Your Supplement

Medigap Policies are Standardized

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.

Choosing Your Plan

The options below are examples of 4 out of the 10 plans. They show the different options (plans) in order of most coverage (top) to the least coverage (bottom). This should give you a good overview of the plans so you can select which one fits your needs best.

Option #1 - Medigap Plan F (Best Coverage)

  • Most comprehensive
  • Hospitalization coverage
  • No co-pays
  • No deductibles
  • Choose any doctor or hospital accepting Medicare
  • 100% coverage from Medicare's major gaps

Option #2 - Medigap Plan G (Best Value)

  • Almost as comprehensive as option #1 - Plan F
  • Hospitalization coverage
  • No co-pays
  • You pay the Medicare Part B Deductible
  • Choose any doctor or hospital accepting Medicare
  • Besides the deductible, 100% coverage from Medicare's major gaps

Option #3 - Medigap Plan N (Usually Lowest Price)

  • Comprehensive, although co-pays & deductibles introduced to reduce cost
  • Hospitalization coverage
  • $20 co-pay for doctor visits, and $50 co-pay for emergency visits
  • You pay the Medicare Part B Deductible
  • Choose any doctor or hospital accepting Medicare
  • You pay co-pays, and a deductible to reduce cost

Option #4 - Medigap Plan A (Most Basic Coverage)

  • Most basic minimum coverage
  • Does not pay major gaps in hospitalization coverage
  • You pay the Medicare Part A Deductible
  • You pay the Medicare Part B Deductible
  • Choose any doctor accepting Medicare

Continue to Step #5 | Pricing ►






Six Steps To A Medicare Supplement Plan: