Plan A
The most basic Medicare supplement plan, Medigap Plan A covers the 20% of outpatient treatment care charges that Original Medicare does not. All Medicare insurance carriers must sell Medigap Plan A.
Explore Medigap (Medicare Supplemental Insurance) Plans
Medicare supplement plans, also known as Medigap plans, help fill in gaps in Original Medicare (Parts A & B) coverage. For an additional premium, these supplemental plans may cover copayments, coinsurance, and deductible costs.
Read on to learn more about Medigap plans, or call to speak to an agent who can help you find plans in your area.
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Types of Medigap plans
Compare Medigap insurance plans
Standard coverage and benefits across all Medicare Supplemental insurance plans:
Though plans offered vary by state, the benefits associated with those plans are standardized within those states—therefore the only difference between one company’s Plan A and another’s, for example, is price.
Though plans offered vary by state, the benefits associated with those plans are standardized within those states—therefore the only difference between one company’s Plan A and another’s, for example, is price.
Some Medigap policies cover services Original Medicare doesn’t, such as emergency medical care when traveling outside the U.S. as well.
Medigap plans generally do not cover costs associated with the following:
Long-term care
Vision care
Dental care
Hearing aids
Private duty nursing
Prescription drugs
Medigap insurance plans: side-by-side
View the table below for a complete picture of what’s covered and what’s not with each of the available Medicare supplement plans.
Benefit Coverage | Plan A | Plan B | Plan C | Plan F | Plan G | Plan K | Plan L | Plan N |
|---|---|---|---|---|---|---|---|---|
Medicare Part B | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Partial |
Medicare Part B | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Blood (first three pints) | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Hospice | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Skilled nursing facility coinsurance | No | No | Yes | Yes | Yes | 50% | 75% | Yes |
Medicare Part A deductible | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Medicare Part B deductible | No | No | Yes | Yes | No | No | No | No |
Medicare Part B excess charges | No | No | No | Yes | Yes | No | No | No |
Foreign travel emergency coverage | No | No | Yes | Yes | Yes | No | No | No |
Out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | $7,060 | $3,530 | N/A |
Frequently asked questions about Medigap Plans
Who is eligible for Medicare Supplemental Insurance Plans?
To be eligible for Medicare supplemental insurance plans, you must be enrolled in Original Medicare (Parts A & B) through the federal government. Your enrollment period for Medigap coverage lasts for six months after enrolling in Original Medicare for the first time.
What isn’t covered by Medigap plans?
Medicare supplemental insurance covers costs associated with Original Medicare (Parts A & B), and therefore does not cover costs associated with the additional benefits you might get from a Medicare Advantage (Part C) plan, such as the following:
Long-term (nursing home) care
Vision benefits
Dental benefits
Hearing aid costs
Private duty nursing costs
Prescription drug costs
When is the best time to purchase a Medigap plan?
The enrollment period for Medigap plans lasts for six months after enrolling in Original Medicare (Parts A & B) for the first time. After this period, depending upon your state, you may not be able to enroll in supplemental Medicare coverage at all, or it may come at a much higher cost.
Are my Medigap options limited based on the state I live in?
Available Medigap plans do vary by state. For example, Massachusetts, Minnesota, and Wisconsin all have their own regulations and Medigap plan types. For the most accurate information on what’s available to you where you live, speak to one of our experienced agents during your Medigap enrollment period.
Medicare resources
General Enrollment and Open Enrollment Periods
Learn about the two Medicare enrollment periods that run from January through March.
Medicare Annual Enrollment Period 101
When is the Medicare Annual Enrollment Period? Get answers to this and other AEP-related questions.
Medicare Enrollment Overview
Get fast facts about Medicare Enrollment, including when you qualify and when to enroll.
Clearlink Insurance represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract. Enrollment depends on the plan's contract renewal.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
We do not offer every plan available in your area. Currently we represent 7 organizations which offer 275 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.
For accommodations of persons with special needs at meetings call TTY 711.
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