Medicare Supplement Insurance (Medigap) for 2027

What Medigap helps cover

Medigap works with Original Medicare to help pay certain deductibles, copays and coinsurance amounts that Original Medicare does not fully pay. It does not replace Medicare and generally does not include outpatient prescription drug coverage.

Popular standardized plan letters

• Plan G offers broad standardized benefits for people newly eligible for Medicare after 2019, subject to state availability.
• High-Deductible Plan G can offer lower premiums in exchange for paying more covered costs before the plan begins paying.
• Plan N can have lower premiums than Plan G, with certain copays and no coverage for Part B excess charges.
• Plans C and F are generally unavailable to people first eligible for Medicare on or after January 1, 2020.

Enrollment and underwriting matter

Your Medigap Open Enrollment Period generally begins when you are age 65 or older and enrolled in Part B. Outside protected enrollment or guaranteed-issue situations, medical underwriting may apply depending on state law and carrier rules.

What to compare

• Monthly premium and historical rate patterns.
• Household or other available discounts.
• Underwriting and eligibility rules.
• Customer service and billing practices.
• Your state’s Medigap consumer protections and switching rules.