MedicareSupplement(Medigap)PlanTypes
There are 10 standardized Medigap plans available in most states. While the benefits for each letter are identical regardless of the insurance company, choosing the right letter is critical for your long-term savings.
The Top 3 Medigap Plans
While there are many options, most Serenity Insurance Group clients choose one of these three plans based on their needs and eligibility.
Plan G
The Gold Standard
For new enrollees, Plan G offers the most comprehensive coverage available. You only pay the annual Part B deductible.
- Covers 100% of Part B Excess Charges
- Covers Part A Deductible in full
- Predictable out-of-pocket costs
Plan N
Lower Premiums
Plan N offers lower monthly premiums in exchange for small copays ($20) at doctor visits and ER visits ($50).
- Lower monthly premiums than Plan G
- Covers Part A Deductible in full
- Does not cover Part B Excess Charges
Plan F
Total Coverage
Plan F covers 100% of all gaps. However, it is only available to those who were eligible for Medicare before 2020.
- Zero out-of-pocket for covered services
- Covers Part B Deductible
- Restricted to pre-2020 enrollees
Compare Plans Side by Side
Select two plans to see exactly how their coverage stacks up against each other.
Plan 1
Plan 2
Plan G
Plan N
Pro Tip
Plan G and Plan N are the best value for most new enrollees.
Swipe to see full comparison
Important: Plans C and F are Phasing Out
As of January 1, 2020, Medigap plans that cover the Part B deductible (Plans C and F) are no longer available to people new to Medicare. If you were eligible for Medicare before 2020, you can still keep or buy these plans. For everyone else, Plan G is the most comprehensive option available.
Need Help Choosing the Right Letter?
Don't navigate the alphabet soup alone. Michael Bond will help you compare the costs and benefits of each plan type to find your perfect fit.