What is Plan J?
By Daniel Petkevich
Jul 14, 2025
Plan J is a Medicare Supplement plan, but we don't recommend it.
Medigap Plan J: Great Back Then—But Plan G Wins Now
Speak with a Medicare Advocate
Quick History
Plan J closed to new buyers on June 1, 2010.
It once covered almost every gap, even some that Original Medicare now pays for directly.
If you already have Plan J you can keep it, but no one new can enroll.
What Plan J Covered
Core Gaps (also in Plan G today)
Part A coinsurance and hospital costs
Part B coinsurance
First three pints of blood
Skilled-nursing facility coinsurance
Part A deductible
Part B excess charges
80 % of emergency care abroad
Extras That Are Now Obsolete
Part B deductible (Medicare stopped allowing this in new Medigap plans after 2020)
Prescription drugs (replaced by Part D in 2006)
At-home recovery & preventive care (Medicare now covers them)
Why Plan J Went Away
Part D replaced its drug benefit.
Medicare added preventive and at-home recovery coverage, making those Plan J perks redundant.
Without new members, premiums rose sharply.
Still Have Plan J?
You may keep it, but expect premiums to climb as the risk pool shrinks.
Want to switch? Outside your Medigap Open Enrollment you’ll face underwriting in most states, so call us first.
Why We Recommend Plan G in 2025
Covers every gap except the small Part B deductible ($257 in 2025).
Often $40-$70/month cheaper than Plan F yet only leaves you that one deductible to pay.
Standardized nationwide—same benefits no matter which insurer you choose.
Available to anyone new to Medicare after 2019.
Bottom line: Plan J was once the Cadillac of Medigap, but today Plan G delivers the best value for the broadest coverage.
Recommended Articles
Can Medicare Help with the Cost of Tyrvaya?
Jan 12, 2023
Does Medicare Cover Scleral Lenses?
Dec 5, 2022
Does Medicare Cover the Urolift Procedure?
Dec 6, 2022
What Is a Medicare Supplement SELECT Plan?
Apr 25, 2023
What is the Medicare ICEP?
Apr 7, 2023
How Does the End of the COVID-19 Public Health Emergency Affect Your Medicare?
Mar 3, 2023
When to Choose Medicare Advantage over Medicare Supplement
Jun 7, 2023
What is a Medicare Beneficiary Ombudsman?
Apr 11, 2023
Medigap Plan N vs. Plan G — Which One Fits You in 2025?
Jul 14, 2025
Does Medicare Cover Service Animals?
Nov 29, 2022
Does Medicare Cover Mouth Guards for Sleep Apnea?
Dec 8, 2022
How Does Medicare Cover Colonoscopies?
Dec 27, 2022
Does Medicare Cover Penile Implant Surgery?
Dec 9, 2022
Does Medicare Cover Orthodontic Care?
Nov 18, 2022
Does Retiring at Age 62 Make Me Eligible for Medicare?
Jun 16, 2022
Does Medicare Cover Stair Lifts?
Nov 18, 2022
Does Medicare Cover RSV Vaccines?
Sep 13, 2023
How Are Medicare Star Ratings Determined?
Sep 6, 2023
More of our articles
13 Best Ways for Seniors to Stay Active in Columbus
13 Best Ways for Seniors to Stay Active in Philadelphia
2024 Cost of Living Adjustment
2024 Fair Square Client Retention and Satisfaction Report
2024 Fair Square NPS Report
Can I Change My Primary Care Provider with an Advantage Plan?
Can I switch From Medicare Advantage to Medigap?
Can I Use Medicare Part D at Any Pharmacy?
Comparing All Medigap Plans | Chart Updated for 2025
Do All Hospitals Accept Medicare Advantage Plans?
Does Medicare Cover an FMT?
Does Medicare Cover Bariatric Surgery?
Does Medicare Cover Boniva?
Does Medicare Cover Cala Trio?
Does Medicare Cover Cartiva Implants?
Does Medicare Cover Diabetic Eye Exams?
Does Medicare Cover Disposable Underwear?
Does Medicare Cover Driving Evaluations?
Does Medicare Cover ESRD Treatments?
Does Medicare Cover Hearing Aids?
Does Medicare Cover Home Heart Monitors?
Does Medicare Cover Hypnotherapy?
Does Medicare Cover Inspire for Sleep Apnea?
Does Medicare Cover Iovera Treatment?
Does Medicare Cover Ketamine Infusion for Depression?
Does Medicare Cover Krystexxa?
Does Medicare Cover Linx Surgery?
Does Medicare Cover LVAD Surgery?
Does Medicare Cover Medical Marijuana?
Does Medicare Cover Mental Health?
Does Medicare Cover Oxybutynin?
Does Medicare Cover Physicals & Blood Work?
Does Medicare Cover Piqray?
Does Medicare Cover PTNS?
Does Medicare Cover the WATCHMAN Procedure?
Does Medicare Cover Tymlos?
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 Bunion Surgery?
Does Medicare Require a Referral for Audiology Exams?
Fair Square Bulletin: We're Revolutionizing Medicare
Fair Square Client Newsletter: AEP Edition
Finding the Best Vision Plans for Seniors
Gap Health Insurance: The Secret Sidekick to Your High-Deductible Plan
How Do Medicare Agents Get Paid?
How Do Medigap Premiums Vary?
How Much Does Medicare Part B Cost in 2025?
How Much Does Open Heart Surgery Cost with Medicare?
How Much Does Trelegy Cost with Medicare?
How to Become a Medicare Agent
How to Compare Medigap Plans in 2025
Is Botox Covered by Medicare?
Is Emsella Covered by Medicare?
Is the Shingles Vaccine Covered by Medicare?
Is Vitrectomy Surgery Covered by Medicare?
Medicare 101
Medicare Guaranteed Issue Rights by State
Medigap vs. Medicare Advantage
Moving? Here’s What Happens to Your Medicare Coverage
Seeing the Value in Fair Square
Top 10 Physical Therapy Clinics in San Diego
What Are Medicare Part B Excess Charges?
What Is Medical Underwriting for Medigap?
What People Don't Realize About Medicare
What To Do If Your Medicare Advantage Plan Is Discontinued
What to Do When Your Doctor Leaves Your Network
What You Need to Know About Creditable Coverage
What's the Deal with Flex Cards?
Why Is Medicare So Confusing?
Will Medicare Cover Dental Implants?
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. © 2026 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
