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* Plan F & G also offer a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,700 (2023) before your Medigap plan pays anything.

 

** 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.

 

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

 

Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.

 

You live in Massachusetts, Minnesota, or Wisconsin 

 

If you live in one of these 3 states, Medigap policies are standardized in a different way.

• You live in Massachusetts

• You live in Minnesota

• You live in Wisconsin

 

For more information

• Find a Medigap policy.

• Call your State Health Insurance Assistance Program (SHIP).

• Call your State Insurance Department.