Fair Square Medicare Wordmark

Comparing All Medigap Plans | Chart Updated for 2025

senior man pondering "which medigap plan should i choose" stock photo
By Daniel Petkevich
Aug 1, 2022

Choose a Medigap Plan that's Right for You

It's always good to have options. Isn't it?

Stay Up to Date on Medicare!

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.
You like to have options getting a health insurance plan, right?
Choosing the Medigap plan that suits you is a big decision, but there are a lot of options available, so it can seem a bit complicated.
We understand that.
To make it easier, we've put together a comparison of the benefits of all the Medigap plans, so you can compare one plan against another and select the one that's right for you.

What Is a Medigap Plan?

With Medicare, you might still have to pay a portion of your healthcare services as

deductibles, copays, and coinsurance

. Medigap, also known as Medicare Supplement Insurance, helps to meet these out-of-pocket expenses.
Medigap is a health insurance policy sold by private insurance companies to fill the "gaps" in original Medicare coverage. You might need to pay a monthly premium for a Medigap policy in addition to your monthly Part B premium.
To sign up for a Medigap plan, you must have Medicare Parts A and B coverage. Once you've enrolled in Medicare Parts A and B, you can choose a Medigap plan that meets your needs and purchase it.
Medigap policies don't have networks, so you can go to any doctor or hospital that accepts Medicare. Moreover, some Medigap plans even offer extra benefits for emergency medical care while

traveling outside the United States

.

How Do I Compare Different Medigap Plans?

Medicare beneficiaries can choose from at least nine different Medicare Supplement (Medigap) plans in 2025, each identified by a letter. The federal government standardizes these plans, so each plan offers the same basic benefits regardless of where you purchase it.
Note: Medicare beneficiaries signing up for Medicare on or after January 1, 2020, can no longer purchase Medigap plans that cover the Part B deductible. So, Plans C and F are no longer available for them. However, if you were eligible for Medicare before January 1, 2020, but have not yet enrolled, you may be able to purchase Plan C or Plan F, which would cover your Part B deductible. You can keep your plan if you were covered by Plan C or F (or the Plan F high-deductible version) before January 1, 2020.
Most Medigap plans cover the same basic benefits, while some may provide additional benefits. You can compare plans in the chart below and choose the plan you like.
Visual asset.
Medigap Plans — Comparison Chart 2025
‎‎‎‎
‎Some states offer a Medigap plan called the

Medicare SELECT plan

. Although this plan may have a lower premium, there are network limitations.

How Much Does a Medigap Plan Cost?

The total

cost of Medigap plans

can vary depending on

the plan you choose

and the insurance provider. The premium amount, which is the monthly price you pay for the plan, can range from $50 to more than $400.
While some Medigap plans cover 100% of your service once you pay the required deductible amount, others may have copayments or coinsurance in addition to the premium. Different insurance companies may charge different premiums for the same plan, so it pays to compare when shopping for a plan.
The total cost of a Medigap plan depends on:
  • Part A/B premium
  • Medigap plan premium
  • Deductibles — The amount you pay before your insurance coverage begins
  • Copayments — The amount you pay as your share for services after paying any deductibles, usually a percentage
  • Coinsurance — The amount you pay as your share for a medical service

Do Medigap Plans Have Network Limitations?

No, standard Medigap plans are not restricted to specific networks. Healthcare providers who accept Medicare also accept Medigap.
Some Medigap plans even provide emergency healthcare services outside the U.S.
However, state-sponsored Medigap plans like Medicare SELECT have network limitations. Healthcare providers outside this network will not provide coverage except in an emergency.

Medigap plans in Massachusetts, Minnesota, and Wisconsin

Medigap plans are standardized across all states in the U.S. except in

Massachusetts

,

Minnesota

and

Wisconsin

. These three states have their own unique Medigap plans.
Even though the basic benefits are common across most of the Medigap plans, each of these states has a different way of handling Medigap, so you'll want to understand the differences before you purchase your plan.
However, beneficiaries in these states can use their policy nationwide with any doctor who accepts Medicare, just like the standard Medicare Supplement plans in other states.

When Do You Enroll in a Medigap Plan?

If you want to

enroll in Medigap

, you can do it any time throughout the year after you've enrolled in Medicare Parts A and B.
Enrolling during your

Initial Enrollment Period

(IEP) has the advantage of getting better premium rates and more plan options. Moreover, you can choose any plan you like without

medical underwriting

, even if you have a health condition.
Enrolling during any other time of the year may require medical underwriting, and providers may reject your application if you have a pre-existing condition.

Takeaway

Medigap plans can be an advantage for covering your out-of-pocket expenses. And since all Medicare-approved providers accept it, there are no network restrictions.
If you're looking for help selecting a Medigap plan that's right for you, we're here to make things easier. With an extensive knowledge of Medigap plans, our experts can

provide an unbiased opinion

and assist you in selecting the best plan for your needs.
Call us at 1-888-376-2028 to get a better understanding of your Medigap options.

Stay Up to Date on Medicare!

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

Recommended Articles

Senior person holding tissue roll near a toilet bowl, using walker to walk to the bathroom stock photo
Is Emsella Covered by Medicare?
Nov 21, 2022
Cover image
Welcome to Fair Square's First Newsletter
Feb 28, 2023
Visiting a hospital front desk illustrated stock image
Do All Hospitals Accept Medicare Advantage Plans?
Apr 11, 2023
Illustrated representation of medical marijuana, using a prescription bottle with a marijuana leaf on the front.
Does Medicare Cover Medical Marijuana?
Jan 6, 2023
Black debit card changing hands against a yellow background stock image
What's the Deal with Flex Cards?
Dec 15, 2022
Heart on Heart Rhythm Background Concept stock photo
Does Medicare Cover Cardiac Ablation?
Dec 9, 2022
Costco & Fair Square
Costco Pharmacy Partners with Fair Square
Jan 13, 2023
Ozempic stock image
Does Medicare Cover Ozempic?
Mar 28, 2023
Senior woman having vision problems stock photo
Does Medicare Cover Macular Degeneration?
Nov 30, 2022
Indianapolis skyline at night stock image
13 Best Ways for Seniors to Stay Active in Indianapolis
Mar 9, 2023
air purifier stock image
Does Medicare Cover Air Purifiers?
Nov 18, 2022
Medsupp Thumbnail
Plan G vs. Plan N
Jan 28, 2022
Female physiotherapist helping elderly man in wheelchair do exercises with dumbbells at health center stock photo
What Does Medicare Cover for Stroke Patients?
Jan 20, 2023
Saving money against a stopwatch stock image
What is the 8-Minute Rule on Medicare?
Dec 21, 2022
Medigap plan letters on outstretched fingers stock image
How Do Medigap Premiums Vary?
Apr 12, 2023
Birthday stock image
What Is the Medicare Birthday Rule in Nevada?
Mar 28, 2023
woman in a therapist office stock photo
Does Medicare Cover Hypnotherapy?
Nov 22, 2022
Cover image
Medicare Advantage MSA Plans
May 17, 2023

More of our articles

13 Best Ways for Seniors to Stay Active in Phoenix

14 Best Ways for Seniors to Stay Active in Nashville

14 Best Ways for Seniors to Stay Active in Washington, D.C.

14 Best Ways to Stay Active in Charlotte

20 Questions to Ask Your Medicare Agent

2024 Cost of Living Adjustment

2024 Fair Square NPS Report

2025 Medicare Price Changes

Can Doctors Choose Not to Accept Medicare?

Can Medicare Advantage Plans be Used Out of State?

Do I Need Medicare If My Spouse Has Insurance?

Do I Need to Renew My Medicare?

Do You Need Books on Medicare?

Do You Need Medigap if You're Eligible for Both Medicare and Medicaid?

Does Medicare Cover a Spinal Cord Stimulator?

Does Medicare Cover Breast Implant Removal?

Does Medicare Cover Cala Trio?

Does Medicare Cover Compounded Medications?

Does Medicare Cover Cosmetic Surgery?

Does Medicare Cover Diabetic Eye Exams?

Does Medicare Cover ESRD Treatments?

Does Medicare Cover Exercise Physiology?

Does Medicare Cover Flu Shots?

Does Medicare Cover Geri Chairs?

Does Medicare Cover Home Heart Monitors?

Does Medicare Cover Inqovi?

Does Medicare Cover Iovera Treatment?

Does Medicare Cover Jakafi?

Does Medicare Cover Kyphoplasty?

Does Medicare Cover Linx Surgery?

Does Medicare Cover LVAD Surgery?

Does Medicare Cover Nexavar?

Does Medicare Cover Orthodontic Care?

Does Medicare Cover Oxybutynin?

Does Medicare Cover Scleral Lenses?

Does Medicare Cover Service Animals?

Does Medicare Cover SI Joint Fusion?

Does Medicare Cover Stair Lifts?

Does Medicare Cover Vitamins?

Does Medicare Cover Wart Removal?

Does Medicare Pay for Antivenom?

Does Medicare Pay for Funeral Expenses?

Does Medicare pay for Opdivo?

Does Your Medicare Plan Cover B12 Shots?

Estimating Prescription Drug Costs

Fair Square Bulletin: We're Revolutionizing Medicare

Finding the Best Vision Plans for Seniors

How Are Medicare Star Ratings Determined?

How Do I Sign up for Medicare? A Simple How-To Guide For You

How Do Medicare Agents Get Paid?

How Does Medicare Pay for Emergency Room Visits?

How is Medicare Changing in 2025?

How Medicare Costs Can Pile Up

How Often Can I Change Medicare Plans?

How to Become a Medicare Agent

How to Deduct Medicare Expenses from Your Taxes

How to Enroll in Social Security

How Your Employer Insurance and Medicare Work Together

Is Fair Square Medicare Legitimate?

Is HIFU Covered by Medicare?

Is the Shingles Vaccine Covered by Medicare?

Is Vitrectomy Surgery Covered by Medicare?

Medicare 101

Medicare Advantage Plans for Disabled People Under 65

Medicare Deductibles Resetting in 2025

Medicare Guaranteed Issue Rights by State

Medicare Savings Programs in Kansas

Saving Money with Alternative Pharmacies & Discount Programs

The Fair Square Bulletin: October 2023

What If I Don't Like My Plan?

What Is a Medicare Advantage POS Plan?

What You Need to Know About Creditable Coverage

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap. 100% free.
Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2025

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M