It's always good to have options. Isn't it?
You like to have options getting a health insurance plan, right?
Even though Medicare Part A and Part B
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.
With Medicare, you might still have to pay a portion of your healthcare services as deductibles, copays, and coinsurance
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
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.
Medigap Plans — Comparison Chart 2025
Some states offer a Medigap plan called the Medicare SELECT plan
The total cost of Medigap plans the plan you choose
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
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 are standardized across all states in the U.S. except in Massachusetts Minnesota Wisconsin
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.
If you want to enroll in Medigap
Enrolling during your Initial Enrollment Period medical underwriting
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
Call us at 1-888-376-2028 to get a better understanding of your Medigap options.
Do I Need Medicare If My Spouse Has Insurance?
Dec 19, 2022
Does Medicare Cover SIBO Testing?
Dec 1, 2022
Does Medicare Cover the Urolift Procedure?
Dec 6, 2022
Does Medicare Cover Cartiva Implants?
Nov 29, 2022
Does Medicare Cover Kyphoplasty?
Dec 9, 2022
Does Medicare Cover Penile Implant Surgery?
Dec 9, 2022
Why Is Medicare So Confusing?
Apr 19, 2023
Does Medicare Pay for Antivenom?
Dec 6, 2022
How Medicare Costs Can Pile Up
Oct 11, 2022
Gap Health Insurance: The Secret Sidekick to Your High-Deductible Plan
Jul 14, 2025
Does Medicare Cover Breast Implant Removal?
Jan 5, 2023
Does Medicare Cover Vitamins?
Dec 5, 2022
Does Medicare Cover Hoarding Cleanup?
Jan 10, 2023
How to Apply for Medicare?
Jul 15, 2022
2024 Cost of Living Adjustment
Nov 13, 2023
How to Enroll in Social Security
Apr 28, 2023
Building the Future of Senior Healthcare
Aug 25, 2022
What To Do If Your Medicare Advantage Plan Is Discontinued
Feb 26, 2024
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?
Get the Fair Square Bulletin
Medicare savings tips, helpful guides, and more.
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