Select Your State to Learn About Your Medigap Options
You’ll need to select your state to find out what Medigap plans are available in your area. Medigap plans are regulated by federal and state laws, meaning the benefits are the same from state to state. The only exception is Massachusetts, Minnesota, and Wisconsin. These plans are standardized differently in these states. Only two plans are available in Massachusetts, while in Minnesota, there are three. In Wisconsin, plans are standardized differently, but there are additional benefits available, such as coverage for certain preventive services.
In addition to these state-specific differences, Medigap plans may vary in cost depending on where you live. Insurance companies can set their own premiums for Medigap plans, which means that the cost of a specific plan can vary depending on your location, age, gender, and health status. Some states have additional regulations that limit how much insurance companies can charge for Medigap plans, while others do not.
It’s important to note that Medigap plans are only available to individuals enrolled in Medicare Part A and Part B. In addition, you typically must pay a monthly premium for a Medigap plan in addition to your monthly Medicare Part B premium.
FAQs
What is Medigap?
Many new beneficiaries ask the question, “what is Medigap?” Medigap plans, also known as Medicare Supplement plans, are private health insurance designed to help fill the gaps in coverage left by Original Medicare.
What is Medigap coverage used for?
Medigap coverage is used to help pay for healthcare costs that are not covered by Medicare, such as copayments, deductibles, and coinsurance.
How much does a Medigap plan cost?
The average cost of a Medigap plan can go anywhere from $50 per month up to $350 per month, depending on your chosen letter plan and many other factors, such as your location and health.
How do I know if I qualify for a Medigap plan?
You qualify for a Medigap plan as long as you’re enrolled in Medicare Part A and Part B.
How do I compare Medigap plans by state?
You can start comparing Medigap plans by selecting the state you live in using our interactive map or selecting your state in the list. You can also enter your zip code in the field on the page to get started.