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Plain-language Medicare guidance • Enrollment windows • Clear decisions.

Medicare Annual Enrollment is open now October 15 – December 7 · 33 days left
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Medicare • Retirement Guidance
← Medicare, explained

Medicare Supplements (Medigap)

Standardized plans that ride alongside Original Medicare and pick up most of what it leaves behind — predictability, at a price.

How Medigap works

A Medigap policy pays after Original Medicare does, covering some or most of your deductibles and that uncapped 20%. Plans are standardized by letter — a Plan G from one insurer covers the same things as a Plan G from another — so the comparison is mostly premium and service.

You keep Original Medicare's freedom: any doctor or hospital in the country that accepts Medicare, no networks, no referrals. Medigap does not include drug coverage, so it is usually paired with a standalone Part D plan.

The one window that really matters

Your federal Medigap Open Enrollment Period lasts six months, starting the first month you are 65 or older and enrolled in Part B. Insurers cannot deny a policy they sell or charge more because of your health during that window. Outside it, health questions may apply, but other federal guaranteed-issue rights and state protections may help. A waiting period for pre-existing conditions can still apply in some cases.

Educational information, not advice about any specific plan. For details on every option available in your area, visit Medicare.gov or call 1‑800‑MEDICARE.