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What to Know About Medicare Supplement Plans C, F, G And N

Stay up-to-date with the latest changes to Medigap plans

Key Takeaways

  • Medicare Supplement Plans C and F are no longer able to cover the Part B deductible.A deductible is the amount you pay out of pocket before your insurance company covers its portion of your medical bills. For example: If your deductible is $1,000, your insurance company will not cover any costs until you pay the first $1,000 yourself. If you became eligible for Medicare after January 1, 2020, you can no longer enroll in one of those plans.

  • For Plans F and G, there are also high deductible options in some states. You have to pay a certain amount out of pocket before the plan benefits begin.

  • While Plan N pays 100% of the Part B co-insurance, providers are allowed to require co-pays up to $20 for doctor’s visits and up to $50 for emergency room visits.

Comparing Medicare Supplement (Medigap) plans can be overwhelming. With ten different supplemental plans available in most states, it can be challenging to figure out what each plan offers and what has changed. Let’s take a look at the details you need to know for Plans C, F, G, and N. [1]

Medicare Supplement Plan C

What You Need to Know

Plan C is not available to new Medicare enrollees as of January 1, 2020. You may still be eligible to enroll if you were eligible before 2020, but did not join a plan. If you already have Plan C, you can keep your plan.

Medicare Supplement Plan F

What You Need to Know

Like Plan C, you can’t enroll in Plan F if you are new to Medicare. If you did not enroll but were eligible before January 1, 2020, you may still be eligible to sign up for a plan. Additionally, you can keep your plan if you already have Plan F. Some states offer Plan F with a high deductible.


What is High Deductible Plan F?

The coverage for High Deductible Plan F is nearly the same as Medicare Supplement Plan F, but you’re required to satisfy a $2,340 deductible before the plan begins to pay like a normal Plan F. In 2020, you have to pay $2,340 in shared costs before you get the same benefits of regular Plan F. Please note, a High Deductible Plan F also is not available to new Medicare enrollees in 2020.

Medicare Supplement Plan G

What You Need to Know

Suppose you’re enrolling in Medicare for the first time and cannot enroll in Plans C or F. In that case, you may want to consider joining Plan G. It’s a comprehensive plan, covering many of the costs associated with Original Medicare.Original Medicare (Parts A and B) is fee-for-service health insurance available to all Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance). However, Plan G doesn’t pay the Part B deductible, as Plan F does. You also can join a High Deductible Plan G in some states, similar to Plan F.


What is High Deductible Plan G?

A High Deductible Plan G requires you to pay $2,340 in 2020 before the plan begins to pay. Once you reach the deductible, you will receive the coverage of a regular Plan G. Monthly premiums tend to be lower than regular Plan G because of the high deductible.

Medicare Supplement Plan N

What You Need to Know

Plan N pays 100% of the Part B co-insurance, but there are exceptions: 

  • Co-pay of $20 on some office visits 
  • Co-pay of $50 for emergency room visits that don’t include inpatient hospital admission

If you are interested in all Supplement Plans, visit our Medigap Coverage Comparison page. 


Is Medigap Plan C and Medicare Part C the same?

No. Even though Medigap Plan C and Medicare Part C sound similar, they are very different. Medigap is Medicare Supplemental insurance to help cover costs if you have Original Medicare. Whereas Medicare Part C (also known as  Medicare Advantage) is an alternative to Original Medicare, combining Parts A,  B and sometimes D. Medicare Part C plans may also include additional benefits like dental, vision and hearing.

How can I enroll in a Medicare Supplement plan?

To be eligible for a Medicare Supplement plan, you must enroll in Original Medicare (Parts A and B). The Medicare supplement open enrollment period lasts six months. It begins the month you turn 65 and are enrolled in Part B.  You can enroll through a private insurance company (via their websites or by phone), or by connecting with a GoHealth licensed insurance agent. Learn more about Medicare Supplement enrollment.

Are there other options rather than enrolling in a Medigap plan?

Yes. Consider enrolling in a Medicare Advantage (Part C) plan, an alternative to Original Medicare that comes with additional benefits. Medicare Supplement plans, on the other hand, help to cover the 20% not covered by Original Medicare. 

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