Medigap plans (also known as Medicare Supplements) are plans offered by private insurance companies to supplement a beneficiary’s Medicare insurance, and fill in the “gaps” in coverage left by Original Medicare (like coinsurance, copayments, and deductibles). Many even offer foreign travel coverage (up to plan limits) which Medicare itself does not. To qualify for a Medigap plan, you must have both Medicare Parts A and B. A Medigap plan does not work in conjunction with a Medicare replacement plan, like a Medicare Advantage Plan.

Medigap plans are assigned a plan letter, each offering varying levels of coverage, and are standardized across the industry, meaning any insurance company that offers a plan, must cover the same benefits as any other company offering that same plan. Currently, there are a total of 11 available Medigap policies (Plan A, B, C, D, F, high deductible F, G, K, M, an N). See the chart below to see what each Medigap policy covers.