To be eligible to enroll in a Medicare Supplement plan, you must be enrolled in both Medicare Part A and Part B.

Some states may offer Medigap plan options to beneficiaries under 65 who qualify for Medicare because of disability or certain conditions (such as end-stage renal disease). Federal law doesn’t require states to sell Medicare Supplement insurance to beneficiaries under 65. However, depending on where you live, some states may offer Medigap coverage to beneficiaries under 65; eligibility and the specific available options may vary by state. If you’re a Medicare beneficiary under 65 and interested in purchasing Medicare Supplement insurance, contact your state insurance department to learn if you’re eligible for Medigap coverage in your state.

Plan Options & Providers

In 47 states (excluding Massachusetts, Wisconsin, and Minnesota), there are 10 standardized Medigap plans available; each labeled by the letters A through N. These plans are available through private insurance companies, and insurance companies aren’t required to offer all 10 plan types. However, any insurance company that sells Medicare Supplement policies must offer at least Plan A and, if they offer any other Medigap policy, must also offer either Plan C or Plan F. Each lettered plan offers the same benefits no matter where you buy the plan (although prices and availability may vary). For example, a Medigap Plan M in Texas has the same benefits as a Medigap Plan M in Colorado. But the different lettered plans cover different portions of Original Medicare costs, as you can see in the following chart. *Please note that Medigap plans are different from the “parts” of Medicare. That is, Medicare Part A, Part B, Part C, and Part D are not the same as Medigap Plan A, Medigap Plan B, Medigap Plan C, and Medigap Plan D.

(See Chart Below)

Yes = the plan covers 100% of this benefit

No = the policy doesn’t cover that benefit

% = the plan covers that percentage of this benefit

N/A = not applicable

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