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Medicare Supplement Plans Explained

  • Provided by insurance companies, which pays all or part of your out-of-pocket cost (except premiums) after Original Medicare pays. Does not replace Original Medicare coverage. Also called Medigap.

  • Several standardized plans, with different coverage levels and premiums. See the chart below.

  • Premium will increase 4-11% each year.  Household discount from many insurance companies.

  • Must also be enrolled in Original Medicare and pay the premium to be eligible for a Supplement Plan.

  • Use any doctor and medical center that accepts Medicare. No networks or referrals required.

  • Emergencies covered worldwide.

  • Prescription drugs not covered, so enroll in a separate Medicare Drug Plan with an insurance company.

Supplement Plan Coverages

  • Pays all or part of the Medicare deductible, copays and coinsurance, depending on the plan you select.

  • Standardized coverage plans, with differences in the premium and extra benefits from each company.

  • Some plans include a free fitness club membership, dental discounts and vision discounts.

  • We will get quotes for you from several companies and help you decide which plan is right for you.

  • Not all plans below available in your area.  Plans G and N are the most popular.

Supplement Plan pays the percentage under the lettered plans below

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Plans F & G also offered as a high-deductible plan by some insurance companies, in which you pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount $2,800 in 2024 before the Supplement plan pays. (1) Plan F, high deductible Plan F and Plan C are only available to people who were first eligible for Medicare before 2020.


Plan N pays 100% of the Medicare Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.

 Many people enroll in Plan F(1) or G because they provide the most coverage. 

Others prefer a plan which covers some of their out-of-pocket cost so they have a lower premium.


  • Prescription drugs are not covered, so you need a separate Medicare Drug Plan or pay full price.

  • Dental, vision & hearing are not covered in some plans, so you need separate plans or pay full price.

  • Medical questions will not be asked if you enroll during your one-time open enrollment period.

Call to learn more and to enroll in the Supplement Plan that's right for you.

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