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Medicare Supplement Guides

Medicare Supplement is a safe, time-tested addition to Original Medicare that protects you from out-of-pocket costs.

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Many Medicare beneficiaries purchase a Medigap policy for protection from coverage gaps. We'll guide you through everything you need to consider.

When Can You Join or Change Medicare Supplement Plans?

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Medigap or Medicare Advantage: Which Is Better for Me?

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How to Choose a Medicare Supplement Plan

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Most Popular Questions About Medicare Supplement

Q: Is Medigap Plan F Going Away?

Medicare Supplement Plan F enrollment ends for good on January 1, 2020. Both regular Plan F and the high-deductible version of Plan F (HDPF) will be affected. With Medigap Plan F going away, Medicare beneficiaries will have fewer options available to them.

Next Best Alternative: Medigap Plan G

After 2020, new Medicare Supplement enrollees will still be able to join Medicare Supplement Plan G. Plan G is almost identical to Plan F. Plan G does not cover your annual Medicare Part B deductible of $183 – otherwise, it’s exactly the same as Plan F, the most popular and comprehensive Medigap plan.

HDPF is a great choice for those who want Plan F’s “full coverage” level of benefits but are confident in their ability to save money on their care. It’s likely that a high-deductible version of Plan G will be available for purchase by 2020. There are no other high-deductible versions of Medigap plans available at this time.

You Can Enroll in Medigap Plan F Now

If you join Medigap Plan F or HDPF by December 31, 2019, you can still keep your Plan F coverage forever. You’ll even be able to switch between different Plan F carriers if you choose.

Since Plan F is the most popular Medigap plan, insurance companies will continue to maintain it for existing customers well into the future. After all, there are still policyholders of other plans, like Plan J, that were discontinued many years ago.

Policymakers have not seriously discussed introducing any new Medicare Supplement plans to replace Plan F or Plan G.

Taking the Next Steps

We’ll connect you to local Medicare Supplement plans – including Plan F and Plan G – so that you can enroll in your favorite plan on time.

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Q: Is There a Cap on Medicare Supplement Benefits?

There is no cap on Medicare Supplement benefits to the insured senior: no annual caps, no lifetime caps, and no caps on dollar amounts.

Without Medicare Supplement coverage, your 20 percent coinsurance on Medicare Part B care would also continue forever. In the absence of Medigap, there’s no cap on what your out-of-pocket expenses could be as a Medicare beneficiary.

Fortunately, Medicare Supplement plans fill in these coverage gaps (that’s why they are called “Medigap”). Your Medigap insurer will cover your entire 20 percent coinsurance.

Each of the 10 Medigap plan types take care of your Part B coinsurance as one of the core Medicare Supplement benefits. Beyond that, they treat different benefits differently. HealthCare.com can help you compare plans on our website, or by connecting you to a licensed broker.

Taking the Next Steps

You can review your current Medicare coverage to see if it’s the best option for your needs. Browse our selection of individual Medicare Supplement plans to find what’s right for you.

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Q: Are There AARP Medicare Plans?

Yes, AARP Medicare plans do exist, and you can buy various forms of Medicare coverage from AARP; however, AARP itself is not a health insurance company.

AARP is one of the most recognizable Medicare plans in the marketplace. You’ll notice on any of the marketing materials for AARP Medicare plans that it’ll usually include words like “insured through UnitedHealthcare” or “from UnitedHealthcare”. That’s because UnitedHealthcare Insurance Company is the actual provider of Medicare coverage that is marketed through AARP.

AARP receives a royalty from UnitedHealthcare in exchange for the use of its name and brand. UnitedHealth is one of the largest health insurance companies operating in the U.S.

You can compare Medicare Supplement and Medicare Advantage plans from AARP and UnitedHealthcare on HealthCare.com.

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