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Medigap plans were created to help seniors who are living on a fixed income to bridge the coverage gaps that are left by traditional Medicare. If you are already familiar with the plans available through Medigap insurance and came looking to get a set of quotes then fill out the form on this page to get started with you Medigap quotes. Or you can keep reading to learn more about the ten Medigap insurance plans available in most states.
The Ten Medigap Plans
There are ten Medigap insurance plans in all. Each of the Medigap plans covers a different number of the coverage gaps that are left by Medicare Part A and Part B. hile it makes sense to list them in alphabetical order we decided to put them in order of most comprehensive to least comprehensive coverage.
Medigap Plan F – Plan F was designed to fill all nine of the coverage gaps left by Medicare. This means if you have this plan you pay your monthly premiums and nothing else. Of all the Medigap plans this is the no hassle plan.
Medigap Plan G – Plan G is very similar to plan F and the second most popular of the medigap insurance plans. The only difference is that it does not cover the Medicare Part B annual deductible. While that makes it a little more complicated plan G premiums will many times more than make up for the Part B deductible.
Medigap Plan C – Plan C is really even with Plan G in that it covers everything that F does except for cover any of the excess charges above the Medicare Part B approved amount. If you have a doctor who only charges what Medicare recommends then this may be the best combination of price and coverage for you.
Medigap Plan D – Plan D is a combination of G and C. It does not cover the excess charges or deductible for Medicare Part B.
Medigap Plan N – Plan N works just like Plan D except for that it give you copays of $20 for some office visits and $50 for emergency room visits that do not result in being admitted as an inpatient. This has become one of the more popular Medigap plans because of its combination of price and coverage.
Medigap Plan M – Like Plan D except it only covers 50% of the Medicare Part A deductible.
Medigap Plan B – Plan B drops two more items from Plan D. It drops coverage for foreign travel emergencies and skilled foreign travel emergencies.
Medigap Plan A – Plan A takes one more step and drops coverage for the Medicare Part A deductible.
Medigap Plan L – Plan L is one of the more interesting Medigap insurance plans because it covers more categories than Plan A and B and matches up for coverage evenly with plan D but it only covers 75% of the costs until you reach an out of pocket maximum of $2,320. Because of the complexity this plan is one of the less popular Medigap plans, but can be a good match for many people.
Medigap Plan K – just like Plan L except that it covers 50% until you reach an out of pocket maximum of $4,640.
Expired Medigap Insurance Plans
The reason you have gaps in the letters above (missing E, H, I, J) is that there are Medigap plans that have been expired. The only one anyone ever talks about now is Medigap Plan J. The reason it was retired is that it included some prescription drug coverage which is now covered through Medicare Part D.
Get a set of quotes by filling out the form on this page so you can know which of the Medigap insurance plans is right for you.