Fair Square Medicare Wordmark

Comparing All Medigap Plans | Chart Updated for 2023

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?

Stay Up to Date on Medicare!

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.
You like to have options getting a health insurance plan, right?
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 2023, 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 2023
‎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






. 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.


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.

Stay Up to Date on Medicare!

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

Recommended Articles

Cover image
When to Choose Medicare Advantage over Medicare Supplement
Jun 7, 2023
senior man experiencing discomfort stock image
Does Medicare Cover Linx Surgery?
Dec 6, 2022
senior gentleman wearing a suit working on his laptop outside of his office stock photo
How Your Employer Insurance and Medicare Work Together
Sep 27, 2022
Cover image
What To Do If Your Medicare Advantage Plan Is Discontinued
Feb 26, 2024
wart on the sole of a white man's foot stock photo
Does Medicare Cover Wart Removal?
Jan 17, 2023
Medicare cost stock image
How Much Does Medicare Cost?
Jul 25, 2022
Charlotte skyline stock image
14 Best Ways to Stay Active in Charlotte
Mar 9, 2023
Senior couple going over their finances in front of a computer stock image
How Much Does Medicare Part B Cost in 2023?
Dec 27, 2022
The feet of a person suffering from foot pain stock photo
Does Medicare Cover Cartiva Implants?
Nov 29, 2022
Arizona desert stock photo
13 Best Ways for Seniors to Stay Active in Phoenix
Mar 6, 2023
Senior person holding tissue roll near a toilet bowl, using walker to walk to the bathroom stock photo
Does Medicare Cover Oxybutynin?
Dec 2, 2022
Cover image
Does Medicare cover Hyoscyamine?
Nov 30, 2022
Cover image
Can Medicare Advantage Plans be Used Out of State?
Jun 12, 2023
Cover image
How Often Can I Change Medicare Plans?
May 5, 2023
plastic surgeons standing over a patient stock image
Does Medicare Cover Cosmetic Surgery?
Nov 28, 2022
Enroll in Social Security step-by-step with the help of Fair Square stock image
How to Enroll in Social Security
Apr 28, 2023
Leg bones and knees, 3d rendering. stock photo
Does Medicare Cover Fosamax?
Nov 30, 2022
woman working from home with a headset on stock image
How Do Medicare Agents Get Paid?
Apr 12, 2023

More of our articles

13 Best Ways for Seniors to Stay Active in Columbus

13 Best Ways for Seniors to Stay Active in Jacksonville

14 Best Ways for Seniors to Stay Active in Nashville

14 Best Ways for Seniors to Stay Active in Washington, D.C.

2023 Medicare Annual Election Period (AEP)

Are Medicare Advantage Plans Bad?

Can I Change Medicare Advantage Plans Any Time? | Medicare Plans

Can I Laminate My Medicare Card?

Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?

Can Medicare Help with the Cost of Tyrvaya?

Do You Need Books on Medicare?

Does Medicare Cover Abortion Services?

Does Medicare Cover Breast Implant Removal?

Does Medicare Cover Cervical Disc Replacement?

Does Medicare Cover Chiropractic Visits?

Does Medicare Cover Cold Laser Therapy (CLT)?

Does Medicare Cover Compounded Medications?

Does Medicare Cover COVID Tests?

Does Medicare Cover Disposable Underwear?

Does Medicare Cover Flu Shots?

Does Medicare Cover Hearing Aids?

Does Medicare Cover Hypnotherapy?

Does Medicare Cover Incontinence Supplies?

Does Medicare Cover Ketamine Infusion for Depression?

Does Medicare Cover Lipoma Removal?

Does Medicare Cover Mouth Guards for Sleep Apnea?

Does Medicare Cover Ozempic?

Does Medicare Cover Physicals & Blood Work?

Does Medicare Cover Service Animals?

Does Medicare Cover the Urolift Procedure?

Does Medicare Cover Tymlos?

Does Medicare Cover Urodynamic Testing?

Does Medicare Cover Vitamins?

Does Medicare Cover Zilretta?

Does Medicare Have Limitations on Hospital Stays?

Does Medicare Pay for Allergy Shots?

Does Medicare Pay for Funeral Expenses?

Does Your Medicare Plan Cover B12 Shots?

Everything About Your Medicare Card + Medicare Number

Explaining the Different Enrollment Periods for Medicare

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 Medigap Premiums Vary?

How Much Does a Medicare Coach Cost?

How Much Does a Pacemaker Cost with Medicare?

How Much Does Rexulti Cost with Medicare?

How to Apply for Medicare?

How to Become a Medicare Agent

How to Choose a Medigap Plan

How to Deduct Medicare Expenses from Your Taxes

Is Botox Covered by Medicare?

Is Emsella Covered by Medicare?

Is HIFU Covered by Medicare?

Medicare & Ozempic

Medicare Advantage Plans for Disabled People Under 65

Medicare Guaranteed Issue Rights by State

The Fair Square Bulletin: February 2024

The Fair Square Bulletin: November 2023

Top 10 Physical Therapy Clinics in San Diego

What Does Medicare Cover for Stroke Patients?

What Happens to Unused Medicare Set-Aside Funds?

What If I Don't Like My Plan?

What is a Medicare Beneficiary Ombudsman?

What Is a Medicare Supplement SELECT Plan?

What Is Medical Underwriting for Medigap?

What is the 8-Minute Rule on Medicare?

What is the Medicare ICEP?

What People Don't Realize About Medicare

What's the Deal with Flex Cards?

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.


Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2024

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. © 2024 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.