Medicare
Medigap Plan Letters Explained
How standardized Medigap letters differ and when to buy.
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.
Next step
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Questions
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.
Sources
- Medicare.gov — the official U.S. government Medicare site · reviewed 2026-01-15
- Centers for Medicare & Medicaid Services (CMS) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15