Medicare Supplement Plans – HTA Insurance Services

Medicare Supplement Plans Made Simple

Learn how Medicare Supplement plans works with Original Medicare, compare popular plan options, and understand what to consider before choosing coverage.

MEDICARE word made with building blocks, medical concept background.

What is a Medicare Supplement?

Medicare Supplement Insurance, also known as Medigap, is private insurance that works alongside Original Medicare Parts A and B.

Original Medicare Parts A and B pay first. Then your Medicare Supplement plan helps with certain remaining costs and coverage gaps, including: deductibles, copays, coinsurance and other Medicare-approved out-of-pocket expenses

Why Consider a Medicare Supplement

A Medicare Supplement plan may be a good fit if you want more predictable healthcare costs and the freedom to use Original Medicare.

Key benefits include:

Freedom to choose your doctors
See any doctor or hospital that accepts Medicare
No referrals needed for specialists
Nationwide coverage throughout the United States
More predictable healthcare expenses
Guaranteed renewable as long as premiums are paid
Peace of mind when your health needs change

Understanding Standardized Plans

In most states, Medicare Supplement plans are standardized and identified by letters, such as Plan F, Plan G, and Plan N.

That means:

Plans with the same letter provide the same medical benefits
A Plan G from one company has the same medical benefits as a Plan G from another company
Claims approval starts with Original Medicare, so it is generally the same across Medigap companies.
Insurance companies may charge different premiums for the same plan letter
Pricing, rate history, underwriting, discounts, and customer service can vary by company

Important:
Massachusetts, Minnesota, and Wisconsin use different Medigap standardization rules, so plan options look different in those states.

Explore Medicare Supplement Plan Options

Lower Out-of-Pocket Risk Options

Lower Premium Options

Plan F

Best for: People who became Medicare-eligible before January 1, 2020 and want the most complete Medigap coverage available.

With Plan F:

You generally pay $0 for Medicare-approved expenses after Medicare pays its share
The plan covers the Medicare Part B deductible
The plan covers Medicare Part B excess charges
It is only available to people who were Medicare-eligible before January 1, 2020

Important:
Plan F is not available to people who became newly eligible for Medicare on or after January 1, 2020.

Plan G

Best for: People who want broad coverage and predictable medical costs.

With Plan G:

You pay the Medicare Part B deductible first
In 2026, the Part B deductible is $283
After that deductible is met, Plan G generally pays the remaining Medicare-approved expenses for the rest of the calendar year
Plan G covers Medicare Part B excess charges

Plan N

Best for: People who want a lower premium than Plan G and are comfortable with some cost-sharing.

With Plan N:

You pay the Medicare Part B deductible first
In 2026, the Part B deductible is $283
After the deductible, you may pay up to a $20 copay for some doctor visits
After the deductible, you may pay up to a $50 copay for emergency room visits that do not result in inpatient admission
Plan N does not cover Medicare Part B excess charges

High Deductible Plan G or Plan F

Best for: People who want a lower monthly premium and are comfortable taking on more out-of-pocket risk before the plan begins paying.

With High Deductible Plan G or Plan F:

You pay Medicare-covered out-of-pocket costs until you reach the annual high deductible amount
In 2026, the high deductible amount is $2,950
After the deductible is met, the plan pays according to its benefits for the rest of the calendar year

Before reaching the deductible, your costs may include: