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Supplemental Plans (Medigap Plans)


What is Medicare Supplement Insurance (Medigap)?

A Medigap plan is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for Medicare covered health care services and supplies. When covered by Original Medicare (Parts A & B), Medicare will pay its share for covered health care costs and then your Medigap policy pays its share.

Medicare Supplement Plans

Each plan below differs in how it covers the following benefits:

Skilled nursing facility
Part A deductible
Part B deductible
Part B excess charges
Foreign travel emergency
The following plans are available in Oregon. No matter what insurance company you go with the coverage for each plan is the same. Insurance companies are only allowed to very in the premium they charge.
Medigap Plan A
Medigap Plan B
Medigap Plan C
Medigap Plan D
Medigap Plan F
Medigap Plan F – High Deductible
Medigap Plan G (Most Popular)
Medigap Plan G - High Deductible
Medigap Plan K
Medigap Plan L
Medigap Plan M
Medigap Plan N

8 things to know about Medigap policies:

1. You must have both Medicare Part A and Part B to buy a Medigap plan.

2. A Medigap policy is different from a Medicare Advantage Plan. Both plans are ways to get Medicare benefits. A Medigap policy supplements your Original Medicare benefits from the government.

3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium is in addition to the monthly Part B premium that you pay to Medicare.

4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.

5. You can buy a Medigap policy from any insurance company that's licensed to sell one in your state.

6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.

7. Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy a Medigap and a Medicare drug plan from the same company, you may need to make two separate premium payments.

8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.

Explore Your Medigap Plan Options

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