Medigap Plan Letters Explained

Standardized benefits

In most states, Medigap plans are standardized by letter (such as G or N). The same letter means the same core benefits across insurers — price and service differ.

Plan G is popular for new enrollees because it covers most Original Medicare cost-sharing except the Part B deductible in current designs.

Timing is everything

Your Medigap open-enrollment window around Part B start is usually the easiest time to buy without medical underwriting.

Switching later can mean underwriting in many states — plan ahead if you might want Medigap later.

Frequently asked questions

Is Plan F still available?

Generally not for new Medicare beneficiaries; many choose Plan G instead. Confirm current rules.

Do Medigap plans cover drugs?

No — you still need a separate Part D plan with Original Medicare + Medigap.