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.
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
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)
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.
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.
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.
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