Fair Square Medicare Wordmark

Comparing All Medigap Plans | Chart Updated for 2025

senior man pondering "which medigap plan should i choose" stock photo

By Daniel Petkevich

Aug 1, 2022

Choose a Medigap Plan that's Right for You

It's always good to have options. Isn't it?

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

You like to have options getting a health insurance plan, right?

Even though

Medicare Part A and Part B

are mandatory, you can choose your Medigap plan. Medigap coverage starts where your Medicare coverage stops. It fills in the gaps.

Choosing the Medigap plan that suits you is a big decision, but there are a lot of options available, so it can seem a bit complicated.

We understand that.

To make it easier, we've put together a comparison of the benefits of all the Medigap plans, so you can compare one plan against another and select the one that's right for you.

What Is a Medigap Plan?

With Medicare, you might still have to pay a portion of your healthcare services as

deductibles, copays, and coinsurance

. Medigap, also known as Medicare Supplement Insurance, helps to meet these out-of-pocket expenses.

Medigap is a health insurance policy sold by private insurance companies to fill the "gaps" in original Medicare coverage. You might need to pay a monthly premium for a Medigap policy in addition to your monthly Part B premium.

To sign up for a Medigap plan, you must have Medicare Parts A and B coverage. Once you've enrolled in Medicare Parts A and B, you can choose a Medigap plan that meets your needs and purchase it.

Medigap policies don't have networks, so you can go to any doctor or hospital that accepts Medicare. Moreover, some Medigap plans even offer extra benefits for emergency medical care while

traveling outside the United States

.

How Do I Compare Different Medigap Plans?

Medicare beneficiaries can choose from at least nine different Medicare Supplement (Medigap) plans in 2025, each identified by a letter. The federal government standardizes these plans, so each plan offers the same basic benefits regardless of where you purchase it.

Note: Medicare beneficiaries signing up for Medicare on or after January 1, 2020, can no longer purchase Medigap plans that cover the Part B deductible. So, Plans C and F are no longer available for them. However, if you were eligible for Medicare before January 1, 2020, but have not yet enrolled, you may be able to purchase Plan C or Plan F, which would cover your Part B deductible. You can keep your plan if you were covered by Plan C or F (or the Plan F high-deductible version) before January 1, 2020.

Most Medigap plans cover the same basic benefits, while some may provide additional benefits. You can compare plans in the chart below and choose the plan you like.

Visual asset.

Medigap Plans — Comparison Chart 2025

‎‎‎‎

‎Some states offer a Medigap plan called the

Medicare SELECT plan

. Although this plan may have a lower premium, there are network limitations.

How Much Does a Medigap Plan Cost?

The total

cost of Medigap plans

can vary depending on

the plan you choose

and the insurance provider. The premium amount, which is the monthly price you pay for the plan, can range from $50 to more than $400.

While some Medigap plans cover 100% of your service once you pay the required deductible amount, others may have copayments or coinsurance in addition to the premium. Different insurance companies may charge different premiums for the same plan, so it pays to compare when shopping for a plan.

The total cost of a Medigap plan depends on:

  • Part A/B premium

  • Medigap plan premium

  • Deductibles — The amount you pay before your insurance coverage begins

  • Copayments — The amount you pay as your share for services after paying any deductibles, usually a percentage

  • Coinsurance — The amount you pay as your share for a medical service

Do Medigap Plans Have Network Limitations?

No, standard Medigap plans are not restricted to specific networks. Healthcare providers who accept Medicare also accept Medigap.

Some Medigap plans even provide emergency healthcare services outside the U.S.

However, state-sponsored Medigap plans like Medicare SELECT have network limitations. Healthcare providers outside this network will not provide coverage except in an emergency.

Medigap plans in Massachusetts, Minnesota, and Wisconsin

Medigap plans are standardized across all states in the U.S. except in

Massachusetts

,

Minnesota

and

Wisconsin

. These three states have their own unique Medigap plans.

Even though the basic benefits are common across most of the Medigap plans, each of these states has a different way of handling Medigap, so you'll want to understand the differences before you purchase your plan.

However, beneficiaries in these states can use their policy nationwide with any doctor who accepts Medicare, just like the standard Medicare Supplement plans in other states.

When Do You Enroll in a Medigap Plan?

If you want to

enroll in Medigap

, you can do it any time throughout the year after you've enrolled in Medicare Parts A and B.

Enrolling during your

Initial Enrollment Period

(IEP) has the advantage of getting better premium rates and more plan options. Moreover, you can choose any plan you like without

medical underwriting

, even if you have a health condition.

Enrolling during any other time of the year may require medical underwriting, and providers may reject your application if you have a pre-existing condition.

Takeaway

Medigap plans can be an advantage for covering your out-of-pocket expenses. And since all Medicare-approved providers accept it, there are no network restrictions.

If you're looking for help selecting a Medigap plan that's right for you, we're here to make things easier. With an extensive knowledge of Medigap plans, our experts can

provide an unbiased opinion

and assist you in selecting the best plan for your needs.

Call us at 1-888-376-2028 to get a better understanding of your Medigap options.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

Senior couple working at a computer stock image

Do I Need Medicare If My Spouse Has Insurance?

Dec 19, 2022

SIBO (small intestinal bacterial overgrowth) symptoms stock photo

Does Medicare Cover SIBO Testing?

Dec 1, 2022

doctor consulting their patient stock image

Does Medicare Cover the Urolift Procedure?

Dec 6, 2022

The feet of a person suffering from foot pain stock photo

Does Medicare Cover Cartiva Implants?

Nov 29, 2022

Caucasian nurse holding spine model against the patients backs. Clinic interior. stock photo

Does Medicare Cover Kyphoplasty?

Dec 9, 2022

Doctor physician consulting with male patient in hospital exam room stock photo

Does Medicare Cover Penile Implant Surgery?

Dec 9, 2022

bearded man holding his head in confusion looking at his laptop stock image

Why Is Medicare So Confusing?

Apr 19, 2023

Rattlesnake biting on a hiker's boot stock image

Does Medicare Pay for Antivenom?

Dec 6, 2022

Senior woman fretting in front of her laptop stock photo

How Medicare Costs Can Pile Up

Oct 11, 2022

Cover image

Gap Health Insurance: The Secret Sidekick to Your High-Deductible Plan

Jul 14, 2025

Plastic surgeon handles a silicon implant

Does Medicare Cover Breast Implant Removal?

Jan 5, 2023

a variety of pills in a daily pill organizer stock image

Does Medicare Cover Vitamins?

Dec 5, 2022

Pile of junk in a house, hoarder room pile of household equipment needs clearing out stock photo

Does Medicare Cover Hoarding Cleanup?

Jan 10, 2023

Medicare check yes stock image

How to Apply for Medicare?

Jul 15, 2022

Cover image

2024 Cost of Living Adjustment

Nov 13, 2023

Enroll in Social Security step-by-step with the help of Fair Square stock image

How to Enroll in Social Security

Apr 28, 2023

Fair Square

Building the Future of Senior Healthcare

Aug 25, 2022

Cover image

What To Do If Your Medicare Advantage Plan Is Discontinued

Feb 26, 2024

More of our articles

13 Best Ways for Seniors to Stay Active in Jacksonville

13 Best Ways for Seniors to Stay Active in Philadelphia

14 Best Ways for Seniors to Stay Active in Seattle

14 Best Ways to Stay Active in Charlotte

15 Best Ways for Seniors to Stay Active in Denver

Can I Choose Marketplace Coverage Instead of Medicare?

Can I switch From Medicare Advantage to Medigap?

Costco Pharmacy Partners with Fair Square

Do Medicare Supplement Plans Cover Dental and Vision?

Do You Need Medigap if You're Eligible for Both Medicare and Medicaid?

Does Medicare Cover Bariatric Surgery?

Does Medicare Cover Cala Trio?

Does Medicare Cover Cervical Disc Replacement?

Does Medicare Cover Chiropractic Visits?

Does Medicare Cover Compounded Medications?

Does Medicare cover Deviated Septum Surgery?

Does Medicare Cover Diabetic Eye Exams?

Does Medicare Cover Disposable Underwear?

Does Medicare Cover Fosamax?

Does Medicare Cover Hearing Aids?

Does Medicare Cover Ilumya?

Does Medicare Cover Inqovi?

Does Medicare Cover Inspire for Sleep Apnea?

Does Medicare Cover Iovera Treatment?

Does Medicare Cover Ketamine Infusion for Depression?

Does Medicare Cover Light Therapy for Psoriasis?

Does Medicare Cover Linx Surgery?

Does Medicare Cover Medical Marijuana?

Does Medicare Cover Mouth Guards for Sleep Apnea?

Does Medicare Cover Nuedexta?

Does Medicare Cover Ofev?

Does Medicare Cover Oxybutynin?

Does Medicare Cover Ozempic?

Does Medicare Cover Physicals & Blood Work?

Does Medicare Cover PTNS?

Does Medicare Cover SI Joint Fusion?

Does Medicare Cover the WATCHMAN Procedure?

Does Medicare Cover Xiafaxan?

Does Medicare Cover Zilretta?

Does Medicare Have Limitations on Hospital Stays?

Does Medicare pay for Opdivo?

Does Your Plan Include A Free Gym Membership?

Everything About Your Medicare Card + Medicare Number

Finding the Best Vision Plans for Seniors

How Are Medicare Star Ratings Determined?

How Can I Get a Replacement Medicare Card?

How Do I Sign up for Medicare? A Simple How-To Guide For You

How Do Medicare Agents Get Paid?

How Much Does Medicare Part A Cost in 2025?

How Much Does Medicare Part B Cost in 2025?

How Much Does Open Heart Surgery Cost with Medicare?

Is Botox Covered by Medicare?

Is Gainswave Covered by Medicare?

Is HIFU Covered by Medicare?

Last Day to Change Your Medicare Part D Plan

Medicare Advantage MSA Plans

Medicare Consulting Services

Plan G vs. Plan N

The Easiest Call You'll Ever Make

Turning 65 and Thinking of Keeping COBRA? Here’s Why It Usually Backfires

What Are Medicare Part B Excess Charges?

What Does Medicare Cover for Stroke Patients?

What Happens to Unused Medicare Set-Aside Funds?

What is a Medicare Beneficiary Ombudsman?

What Is Medical Underwriting for Medigap?

What is the 8-Minute Rule on Medicare?

What People Don't Realize About Medicare

What You Need to Know About Creditable Coverage

Which Medigap Policies Provide Coverage for Long-Term Care?

Why You Should Keep Your Medigap Plan

Will Medicare Cover Dental Implants?

Will Medicare Cover it?

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M

Fair Square Medicare

FSM symbol - 50