Compare Medicare Supplement Plans Side by Side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you. 

In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Did you know that each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medigap policies:

• Don't have to offer every Medigap plan
  
• Must offer Medigap Plan A if they offer any Medigap policy
  
• Must also offer Plan C or Plan F to people who were eligible for Medicare before January 1, 2020, but haven’t yet enrolled.
  
• People new to Medicare on or after January 1, 2020 have the right to to buy Plan D or G instead of Plan C or F. 

Keep in mind, that the Medigap policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible).

The opinions expressed in this material are for general informational purposes and should not be considered a solicitation for the purchase or sale of any products.  The information contained in this article was developed from sources believed to be accurate.  This material is not intended as tax or legal advice.  It may not be used for the purpose of avoiding any federal tax penalties.  Please consult legal and/or tax professionals for specific information regarding your individual situation.  For more complete information please access the government website www.medicare.gov.  AGE-6766689.1 (7/24)(Exp. 7/26)