The cost of Medicare supplement insurance, also called Medigap, can vary due to several factors, including the type of plan you choose, where you live, and the company administering the plan.
Private insurance companies administer Medigap plans, which help pay for some healthcare costs not covered by Original Medicare (parts A and B).
Some examples of the costs that Medigap may cover include:
- deductibles
- coinsurance
- copays
- excess costs
- healthcare costs during foreign travel
- blood (first three pints)
Monthly premiums
Each Medigap plan has a monthly premium. The exact amount can vary by individual plan, and insurers can set monthly premiums in three different ways:
- Community rated: Everyone who buys the plan pays the same monthly premium regardless of age.
- Issue-age rated: Monthly premiums are tied to the age at which you first purchase a plan, with younger buyers having lower premiums. Premiums don’t increase as you get older.
- Attained-age rated: Monthly premiums are tied to your current age. That means your premium will go up as you get older.
If you’d like to enroll in a Medigap plan, it’s important to compare multiple options in your area. This can help you determine how premiums are set and how much you can expect to pay monthly.
The Medigap monthly premium is paid in addition to other monthly premiums associated with Medicare. These can include premiums for:
Deductibles
Medigap itself isn’t typically associated with a deductible. But if your Medigap plan doesn’t cover the Part A or Part B deductible, you’re still responsible for paying those.
Medigap Plan F and Plan G do have a high deductible option. The monthly premiums for these plans are typically lower, but you’ll have to meet a deductible before they start to cover costs.
For 2025, the Plan F and Plan G deductible is $2,870.
Coinsurance and copays
Like deductibles, Medigap itself isn’t associated with coinsurance or copays.
You may still have to pay certain coinsurance or copays associated with Original Medicare if your Medigap policy doesn’t cover them.
Out-of-pocket limit
Medigap Plan K and Plan L have out-of-pocket limits, which are the maximum amounts you’ll have to pay out of pocket.
In 2024, the Plan K and Plan L out-of-pocket limits are $7,220 and $3,610, respectively. After you meet the limit, the plan pays 100% of the cost of covered services for the rest of the year.
Out-of-pocket costs
Medigap doesn’t cover some health-related services. If you need to use these services, you’ll have to pay for them out of pocket.
These may include:
The following table shows a cost comparison of monthly premiums for the different Medigap plans in four sample cities across the United States in 2024:
| Washington, D.C. | Des Moines, IA | Aurora, CO | San Francisco | |
|---|---|---|---|---|
| Plan A | $103 to $1,371 | $107 to $314 | $105 to $329 | $107 to $201 |
| Plan B | $141 to $378 | $156 to $429 | $183 to $431 | $160 to $224 |
| Plan C | $176 to $437 | $175 to $534 | $193 to $596 | $187 to $273 |
| Plan D | $128 to $254 | $151 to $252 | $152 to $243 | $144 to $240 |
| Plan F | $178 to $442 | $139 to $570 | $165 to $597 | $162 to $313 |
| Plan F (high deductible) | $34 to $94 | $33 to $154 | $35 to $75 | $32 to $82 |
| Plan G | $128 to $418 | $194 to $495 | $140 to $584 | $144 to $238 |
| Plan G (high deductible) | $28 to $86 | $33 to $111 | $35 to $89 | $35 to $68 |
| Plan K | $58 to $145 | $55 to $154 | $63 to $150 | $59 to $123 |
| Plan L | $97 to $269 | $100 to $323 | $119 to $286 | $94 to $175 |
| Plan M | $130 to $416 | $86 to $171 | $146 to $146 | — |
| Plan N | $99 to $388 | $88 to $390 | $102 to $569 | $109 to $188 |
The prices shown above are based on a 65-year-old male who doesn’t use tobacco. To find prices specific to your situation, enter your ZIP code in Medicare’s Medigap plan finder tool.
Medigap is a type of supplemental insurance that you can purchase to help pay for health-related costs that Original Medicare doesn’t cover. There are 10 different types of standardized Medigap plans.
The cost of a Medigap plan depends on the plan you choose, where you live, and the insurer from which you purchase your policy. You’ll pay a monthly premium for your plan and may also be responsible for some deductibles, coinsurance, and copays.
You can enroll in a Medigap plan during the initial enrollment period, which begins when you turn 65 years old andenroll in Part B. If you don’t enroll during this time, you may be unable to enroll in the plan you want, or it may cost more.