Medicare · Supplement (Medigap)
Fill the gaps Original Medicare leaves open.
Original Medicare has copays, coinsurance, deductibles — and no yearly out-of-pocket maximum. Medigap plans are standardized policies that pick up those costs, turning unpredictable bills into one predictable premium.
The most important Medigap fact: your 6-month Medigap Open Enrollment Period starts the month you’re 65+ and enrolled in Part B. During it, carriers must sell you any plan with no health questions. Afterward, in most states, they can underwrite — or say no. Timing is everything.
Before you choose
Five essential things to know
You need Parts A and B first
Medigap works alongside Original Medicare — enrollment in both parts is the entry ticket.
It’s not Medicare Advantage
Advantage replaces how you get your benefits; Medigap keeps Original Medicare and fills its gaps. You can’t have both — it’s illegal to be sold both.
Plans are standardized
A Plan G is a Plan G at every carrier — the coverage is identical by law. What differs is the premium, which is why comparing carriers pays.
Guaranteed renewable for life
Pay your premiums and your policy can’t be cancelled, no matter what happens to your health.
Any doctor that takes Medicare
No networks, no referrals — if a provider accepts Medicare, they accept your Medigap plan.
The fine print, plainly
What Medigap covers — and what it doesn’t
Covered
- Part A coinsurance — plus up to 365 extra hospital days after Medicare benefits run out
- Part B coinsurance and copayments
- First 3 pints of blood each year
- Part A hospice coinsurance and copays
- Skilled nursing coinsurance, foreign travel emergencies, Part A deductible (plan-dependent)
Not covered
- Long-term care
- Dental care
- Vision care and eyewear
- Hearing aids
- Prescription drugs (that’s Part D’s job)
Pair Medigap with a Part D drug plan for prescriptions — or compare the bundled route with Medicare Advantage.
Fika makes it easy
Same coverage, different price — so we shop the price.
Because Medigap plans are standardized, a Plan G is identical everywhere — except the premium. We compare carriers in your state, watch the rate-increase history, and time your application to your enrollment window. Free, no pressure, no spam.
FAQs
Medigap questions, answered
For anyone newly eligible for Medicare since 2020, Plan F is closed — the modern choice is between Plan G (the most comprehensive available: you cover only the Part B deductible) and Plan N (lower premiums in exchange for small copays and possible excess charges). If you were eligible before 2020 and already hold Plan F, you can keep it. We’ll price both G and N across carriers for your ZIP code.
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