Medigap Insurance Plans

Medicare Supplement Plans from Blue Cross Blue Shield, Mutual of Omaha, Humana, UnitedHealthcare, Gerber, Loyal American, and Many More!

Medicare Supplement Plans (also known as Medigap Plans) can help cover the gaps in Medicare’s coverage by paying for health care expenses that Medicare doesn't cover, like co-payments, co-insurance, and the Part A and Part B deductibles.  Some Medigap Plans also add entirely new coverage, such as emergency medical care when you travel outside of the U.S.

Medigap Plans are standardized so that plans identified in most states by a certain letter (A through N) include the same benefits regardless of where you get that plan.  Although every Medigap Plan F, for instance, has the same coverage, you may find it offered at very different prices.  That’s why it is so important to compare premiums from different insurance companies.

MediGap Advisors works with several of the nation's leading providers of Medigap Plans to help you find the best rates available.  Select your state below to see the providers in your area.  You can then compare available plans by running an instant quote, or give us a call at 1-866-323-1441, and we'll be happy to help you.  Of course, there’s no charge or obligation for our assistance.

Medicare Supplement Plans Map Vermont Medicare Supplement Plans Maryland Medicare Supplement Plans Delaware Medicare Supplement Plans New Jersey Medicare Supplement Plans Connecticut Medicare Supplement Plans Mass Medicare Supplement Plans New Hampshire Medicare Supplement Plans Road Island Medicare Supplement Plans Alaska Medicare Supplement Plans Hawaii Medicare Supplement Plans District of Columbia Medicare Supplement Plans Maine Medicare Supplement Plans New Hampshire Medicare Supplement Plans Vermont Medicare Supplement Plans Mass Medicare Supplement Plans Connecticut Medicare Supplement Plans New York Medicare Supplement Plans New Jersey Medicare Supplement Plans Delaware Medicare Supplement Plans Maryland Medicare Supplement Plans Pennsylvania Medicare Supplement Plans Florida fl Medicare Supplement Plans Mississippi ms Medicare Supplement Plans Alabama al Medicare Supplement Plans Georgia ga Medicare Supplement Plans South Carolina sc Medicare Supplement Plans North Carolina nc Medicare Supplement Plans Tennessee tn Medicare Supplement Plans Virginia va Medicare Supplement Plans West Virginia wv Medicare Supplement Plans Kentucky ky Medicare Supplement Plans Ohio oh Medicare Supplement Plans Indiana Medicare Supplement Plans Illinois il Medicare Supplement Plans Michigan mi Medicare Supplement Plans Wisconsin wi Medicare Supplement Plans Minnesota mn Medicare Supplement Plans Iowa ia Medicare Supplement Plans Missouri mo Medicare Supplement Plans Arkansas ar Medicare Supplement Plans Louisiana la Medicare Supplement Plans Texas tx Medicare Supplement Plans Oklahoma ok Medicare Supplement Plans Kansas ks Medicare Supplement Plans Nebraska ne Medicare Supplement Plans South Dakota sd Medicare Supplement Plans North Dakota nd Medicare Supplement Plans Wyoming wy Medicare Supplement Plans Colorado co Medicare Supplement Plans New Mexico nm Medicare Supplement Plans Arizona az Medicare Supplement Plans Utah ut Medicare Supplement Plans Nevada nv Medicare Supplement Plans California ca Medicare Supplement Plans Oregon or Medicare Supplement Plans Montana mt Medicare Supplement Plans Idaho id Medicare Supplement Plans Washington wa Medicare Supplement Plans

The chart below shows the benefits of each of the 10 standard Medigap Plans.  In Massachusetts, Minnesota and Wisconsin, Medigap Plans are standardized in a different way:

Benefits
A
B
C
D
F1
G
K2
L2
M3
N4
 Part A Co-insurance& Hospital Costs (up to 365 additional days)
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part B Co-insurance or
Co-payment
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature**
 Blood (first 3 pints)
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Hospice Care Co-insurance or Co-payment
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Skilled Nursing Facility Care
Co-insurance
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part A Deductible ($1,156 – 2012)
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
50%
75%
50%
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Part B Deductible ($140 – 2012)
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
-
-
-
 Part B Excess Charges5
--
-
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
-
-
 Foreign Travel Emergency Care(up to plan limits)
--
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
-
-
Blue Cross Blue Shield Medicare Supplement Policy Feature
Blue Cross Blue Shield Medicare Supplement Policy Feature
 Out-of-pocket Limit
--
--
-
-
-
-
$4,660
$2,330
-
-

  1. Plan F comes with either a standard or a higher $2,070 deductible.  With the $2,070- deductible plan, you pay for $2,000 worth of Medicare-covered costs, such as co-insurance, co-payments and deductibles, before Plan F coverage begins.  In exchange, premiums are lower on the $2,070-deductible plan than on the standard-deductible plan.  After the deductible has been met, the high-deductible Plan F pays the same benefits as the standard-deductible version.

  2. Once you reach the annual out-of-pocket limit on either Plan K or Plan L, that plan will pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year.  The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as excess charges.

  3. With Plan M, you pay 50% of the Part A deductible ($1,156 per benefit period), as well as the entire Part B deductible for the calendar year ($140).

  4. Plan N pays all of the Part A deductible, and you pay the Part B deductible plus a $20 co-payment for some doctor appointments and a $50 co-payment for trips to the Emergency Room.

  5. Part B Excess Charges can occur if a doctor doesn’t accept Medicare’s approved amount.  Medicare will pay 80% of the amount it sets for specific doctor services.  If Medicare pays 80% on a service it says should cost $100 and a doctor charges you $100, Medicare pays $80 and you owe $20. If the doctor charges you $120, however, Medicare will still pay $80 and you owe $40. Medigap Plan F and Plan G will take care of those excess charges for you.

Coverage for one individual:  Medigap Plans only cover one individual, so you and your spouse will need separate policies.

Preventive health care covered:  Medicare pays 100% of doctor services that are considered to be preventive because they’ve been shown to prevent health problems.  If your doctor accepts Medicare’s approved amount, you pay nothing for such services.

When to get a Medigap Plan:  During a six-month period that begins on the first day of the month in which you become 65 and you are enrolled in Part B, your application for a Medigap Plan is guaranteed to be accepted regardless of your health problems.  You may switch to a different plan during this time, and guaranteed acceptance also applies to the application for the other plan.

After this open enrollment period expires, insurance companies are not required to accept your application for a Medigap Plan, but certain states provide additional periods of similar open enrollments.  Insurance companies may also randomly offer types of open enrollment, but these may include certain restrictions.

If you’re under 65, federal law does not require that insurance companies accept your application for a Medigap Plan, but certain states do have that requirement.

You may also be guaranteed that your application will be accepted outside of your period of open enrollment if you lose your health coverage.  If you are more than 65 years of age, this guarantee applies to Medigap Plan A, B, C, F, K and L.  If you are under 65, this guarantee applies only to Medigap Plan A.  Generally, this guarantee only lasts for 63 days from the date that your coverage ends or the date of the notice that your coverage is ending.

How to get a Medigap Plan:  Since not all plans are available in every state, you can run an instant quote to see what plans are available in your area, or contact us for a free consultation to discuss your available options.

30-day return policy:  You have a 30-day “free look” to examine your Medigap Plan and decide if you want to keep it, so save the envelope the policy comes in and record the date that you receive it.  If you return the plan to the insurance company (by certified mail with return receipt) within 30 days, all of your money will be refunded with no questions asked.

“You guys are doing a great service.  Keep up the good work.”

“This service is so needed.  I had reached a point of spending two solid days doing my homework.  I realized that I had really only scratched the surface and knew I was in for a long, long haul. 

Then by accident, I landed on your site and found your teleseminar.  It was all I was hoping it would be and more. BRAVO!!!

This morning I spoke with Jim.  I was so sure that I knew exactly what I wanted, needed and could afford, and after explaining to me in a professional manner that he felt he needed to make sure I was aware of everything and possibly some choices that I may not have thought of, I have to tell you, I changed my mind.

Jim knows what he is talking about and takes time with patience and understanding.  I feel secure in my decision with his professional expertise.  You guys are doing a great service.  Keep up the good work.”

A Most Satisfied Customer,
Patsy Cubine

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