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?

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

You like to have options getting a health insurance plan, right?

Even though

Medicare Part A and Part B

are mandatory, you can choose your Medigap plan. Medigap coverage starts where your Medicare coverage stops. It fills in the gaps.

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.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

Recommended Articles

woman sitting up in bed experiencing back pain stock photo

Does Medicare Cover a Spinal Cord Stimulator?

Nov 19, 2022

various cartoon scenarios showing long term care stock photo

Which Medigap Policies Provide Coverage for Long-Term Care?

Sep 16, 2022

Doctor demonstrating upper cervical spine anatomy stock photo

Does Medicare Cover Cervical Disc Replacement?

Jan 20, 2023

Sinusitis. stock illustration

Is Balloon Sinuplasty Covered by Medicare?

Dec 1, 2022

Medicare Set Aside funds stock image

What Happens to Unused Medicare Set-Aside Funds?

Jan 20, 2023

Cover image

How Much Does a Medicare Coach Cost?

Mar 20, 2023

Pre-Existing condition stock image

Can Medicare Advantage Plans Deny Coverage for Pre-Existing Conditions?

Mar 28, 2023

Doctor physician consulting with male patient in hospital exam room stock photo

Is Gainswave Covered by Medicare?

Dec 6, 2022

Kidney stone stock image

Does Medicare Cover Kidney Stone Removal?

Nov 23, 2022

a chart explaining different enrollment periods on medicare

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

Apr 8, 2022

Cover image

Does Medicare Have Limitations on Hospital Stays?

Mar 15, 2024

Hepatitis C stock photo

Does Medicare Cover Hepatitis C Treatment?

Nov 22, 2022

Philadelphia skyline at sunset stock image

13 Best Ways for Seniors to Stay Active in Philadelphia

Mar 7, 2023

Fair Square

Do I Need to Renew My Medicare?

Nov 29, 2022

Model of the lungs with the diseased part stock photo

Does Medicare Cover Ofev?

Dec 2, 2022

Close up of a senior clutching their right wrist in pain stock photo

Does Medicare Cover Cala Trio?

Nov 23, 2022

Cover image

When to Choose Medicare Advantage over Medicare Supplement

Jun 7, 2023

Caucasian nurse holding spine model against the patients backs. Clinic interior. stock photo

Does Medicare Cover SI Joint Fusion?

Nov 28, 2022

More of our articles

13 Best Ways for Seniors to Stay Active in Phoenix

Are Medicare Advantage Plans Bad?

Can Doctors Choose Not to Accept Medicare?

Can I Change Medicare Advantage Plans Any Time? | Medicare Plans

Can Medicare Advantage Plans be Used Out of State?

Can Medicare Help with the Cost of Tyrvaya?

Does Medicare Cover Air Purifiers?

Does Medicare Cover an FMT?

Does Medicare Cover Boniva?

Does Medicare Cover Breast Implant Removal?

Does Medicare Cover Cardiac Ablation?

Does Medicare Cover Cartiva Implants?

Does Medicare Cover Cold Laser Therapy (CLT)?

Does Medicare Cover Cosmetic Surgery?

Does Medicare cover Deviated Septum Surgery?

Does Medicare Cover Disposable Underwear?

Does Medicare Cover Driving Evaluations?

Does Medicare Cover Fosamax?

Does Medicare Cover Geri Chairs?

Does Medicare Cover Hoarding Cleanup?

Does Medicare Cover Home Heart Monitors?

Does Medicare Cover Incontinence Supplies?

Does Medicare Cover Kyphoplasty?

Does Medicare Cover Lipoma Removal?

Does Medicare Cover LVAD Surgery?

Does Medicare Cover Macular Degeneration?

Does Medicare Cover Medical Marijuana?

Does Medicare Cover Mouth Guards for Sleep Apnea?

Does Medicare Cover Ozempic?

Does Medicare Cover Penile Implant Surgery?

Does Medicare Cover Physicals & Blood Work?

Does Medicare Cover Robotic Surgery?

Does Medicare Cover Scleral Lenses?

Does Medicare Cover Shock Wave Therapy for Plantar Fasciitis?

Does Medicare Cover the WATCHMAN Procedure?

Does Medicare Cover Urodynamic Testing?

Does Medicare Pay for Funeral Expenses?

Does Medicare pay for Opdivo?

Does Medicare Pay for Varicose Vein Treatment?

Does Retiring at Age 62 Make Me Eligible for Medicare?

Does Your Plan Include A Free Gym Membership?

Estimating Prescription Drug Costs

Everything About Your Medicare Card + Medicare Number

Finding the Best Vision Plans for Seniors

Health Savings Accounts (HSAs) and Medicare

How Do Medicare Agents Get Paid?

How Do Medigap Premiums Vary?

How Medicare Costs Can Pile Up

How Much Does Medicare Part B Cost in 2025?

How Much Does Rexulti Cost with Medicare?

How Much Does Xeljanz Cost with Medicare?

How Your Employer Insurance and Medicare Work Together

Is Botox Covered by Medicare?

Is Emsella Covered by Medicare?

Is HIFU Covered by Medicare?

Is PAE Covered by Medicare?

Medicare 101

Medicare Advantage Plans for Disabled People Under 65

Medicare Explained

Medicare Savings Programs in Kansas

Plan G vs. Plan N

Seeing the Value in Fair Square

Should You Work With A Remote Medicare Agent?

The Easiest Call You'll Ever Make

The Fair Square Bulletin: October 2023

Top 10 Physical Therapy Clinics in San Diego

What If I Don't Like My Plan?

What Is a Medicare Advantage POS Plan?

What is a Medicare Beneficiary Ombudsman?

What Is Medical Underwriting for Medigap?

What You Need to Know About Creditable Coverage

Will Medicare Cover Dental Implants?

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