➤ What is Medicare Supplement insurance?
Medicare Supplement insurance, also called Medigap, is private coverage that helps pay deductibles, coinsurance and other costs Original Medicare does not pay. It works with any doctor or hospital in the U.S. that accepts Medicare.
➤ What Medigap plans are available in 2027?
Insurers sell standardized plans A, B, C, D, F, G, K, L, M and N, plus high-deductible Plan G and Plan F. Plans C and F are only for people first eligible before January 1, 2020, and not every insurer sells every plan.
➤ What is the High-Deductible Plan G deductible for 2027?
The 2027 deductible for High-Deductible Plan G and F is $3,050, up from $2,950 in 2026. After you meet it, the plan pays like regular Plan G or F, and premiums are usually much lower.
➤ Does Medigap cover prescription drugs?
No, Medigap does not include Part D drug coverage, so you add a standalone Part D plan. For 2027 the maximum Part D deductible is $700 and the out-of-pocket cap on covered drugs is $2,400.
➤ Can insurers turn me down for Medigap?
Not during your six-month Medigap Open Enrollment Period or a guaranteed issue window. Outside those times, insurers in most states can use health questions and may decline you or charge more. Timing your purchase matters a great deal.
➤ How are Medigap premiums priced?
Insurers use community-rated, issue-age-rated or attained-age-rated pricing. The method affects how your premium changes as you age, so ask each insurer which one it uses before comparing prices. A low starting price can rise faster under attained-age pricing.
➤ Can I use Medigap with Medicare Advantage?
No, Medigap only works with Original Medicare. If you are in Medicare Advantage, a Medigap policy cannot pay your plan’s costs, and insurers cannot sell you one unless you are returning to Original Medicare. Choose one path.
➤ Which Medigap plan is most popular for new enrollees?
Plan G is a common choice for new enrollees because it covers everything Plan F does except the Part B deductible. Plan N and High-Deductible Plan G are popular for people who want lower premiums.
➤ Does Medigap cover care outside the U.S.?
Plans C, D, F, G, M and N cover 80% of foreign travel emergency care after a $250 deductible, up to $50,000 in your lifetime. Original Medicare generally does not cover care outside the U.S.
➤ Are Medigap rules different in some states?
Yes, Massachusetts, Minnesota and Wisconsin use their own standardized designs, and some states give extra switching rights. Check your state’s rules or ask your State Health Insurance Assistance Program before you buy or switch. Rules can change.
