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Medigap policies may reduce out-of-pocket expenses for a person enrolled in Original Medicare (parts A and B). This can include help with the costs of deductibles, coinsurance, and copays ...
Compare Medicare supplement insurance plans. Medigap plans, which private insurance companies offer, may help cut Medicare out-of-pocket costs. Standardized plans vary in availability and cost.
Community-rated Medigap plans charge the same premium for all enrollees in an area, regardless of age or gender. But costs may change each year.
Since Medigap is private insurance and not government sponsored, the rules governing the sale and offerings of a Medigap insurance policy can vary from state to state. Some states such as Massachusetts, Minnesota, and Wisconsin require Medigap insurance to provide additional coverage than what is defined in the standardized Medigap plans.
Medigap policies cover the out-of-pocket expenses of Original Medicare (Parts A and Part B). Medicare standardizes Medigap plans, so each plan of the same letter has the same coverage level.
Plans K and L have annual limits that a person must reach before the insurer begins to pay. In 2025, Plan K’s out-of-pocket limit is $7,220, and the out-of-pocket limit for Plan L is $3,610.
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