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Medicare Supplement: Top Medigap Plans For New Beneficiaries

By: Lindsay Malzone, Medicare Expert for Elite Insurance Partners
Tel: 800-845-2484
Email Lindsay Malzone

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Many people are surprised to learn that Original Medicare (Parts A & B) doesn't cover everything. By purchasing a Medicare Supplement (Medigap) plan, you won't have to worry about out-of-pocket costs. Medigap policies "fill in the gaps" for services not covered by Original Medicare, including coinsurance, copays, deductibles, and extended hospital visits. Before signing up for a Medigap plan, you must have Original Medicare.

It's also important to research your state's Medicare rules and regulations since Medigap coverage rules are specific to the type of Medigap plan. With Supplemental plans, beneficiaries can also visit any U.S. doctor who accepts Medicare Assignment.

In this article, we're breaking down the top Medigap plans to help you select the best policy. Let's talk about Plan G, HDG, and Plan N.

How Medicare Plan G Works

If you visit the doctor often, then Plan G may be an excellent option for you. It pays for medical expenses not covered by Original Medicare, excluding Part B and outpatient deductibles. Once you met your deductible, Plan G will cover everything else. Plan G is ideal for people who want low monthly premiums and a small copay for doctor visits.


How High-Deductible Medicare Plan G Works

Medigap plan G is considered one of the most comprehensive plans because it comes with a range of benefits. It's a high deductible plan best for people who want to pay lower monthly premiums.

It pays for everything not covered under Original, except the Part B deductible. This means you will only be responsible for paying your monthly premium along with the Part B deductible of $203. The monthly average cost for Medigap Plan G is around $100-$200.

This is also one of the most popular plans because it has a lower rate increase plan than Plan F, another high deductible plan.

How High-Deductible Medicare Plan N Works

Sometimes referred to as Part N, Plan N is one of the most popular plans out of the supplements. Like Supplemental Plan G, Plan N also has low premiums and a small copay of $50. But it's widely known for being a cost-sharing plan for Medicare beneficiaries. The monthly average cost for Medigap Plan N is around $120-$180.

Plan N specifically covers your inpatient deductible, inpatient copays, and coinsurance. It also covers foreign travel emergencies. Factors including your age, state of residence, and gender determine your premium rates.

Medicare Supplement Open Enrollment Period

Your Medicare Supplement Open Enrollment window is six months long and begins the first day of the month you are 65 and older and are enrolled in Medicare Part B. It's the best time to enroll in a Medigap plan because it allows you to bypass answering any health questions. As a result, you won't be denied coverage based on any pre-existing medical conditions.

If you miss your chance, you have the option of enrolling any time throughout the year, but it won't be as easy. If you skip your Medigap enrollment period, you may need a guaranteed issue right. It prevents any bias in medical underwriting.

Lindsay Malzone is the Medicare Consultant for MedicareFAQ. She has worked in the Medicare industry since 2017 and is featured in many publications as well as writing Medicare focused columns for other publications.

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