A Medicare Supplemental Plan, also known as Medigap, is a private insurance that works alongside Original Medicare (Part A and Part B). Original Medicare covers a large portion of your medical costs, but it does not cover everything. You're still responsible for deductibles, coinsurance, and certain out-of-pocket expenses. A Medigap plan helps cover those remaining costs.

Keep in mind these are NOT Medicare "Parts"

Medigap plans use letters like Plan G or Plan N. These are not Medicare Parts (A, B, C, or D). They are separate, standardized supplemental insurance plans designed to fill coverage gaps left by Medicare. The benefits for each letter plan are standardized by the federal government. A Plan G from one company provides the same core benefits as a Plan G from another company. The difference is pricing, underwriting, and long-term rate stability.

Available Medigap Plan Options:

• Plan A
• Plan B
• Plan C*
• Plan D
• Plan F*
• Plan G
• Plan K
• Plan L
• Plan M
• Plan N

High-Deductible Options:

• High-Deductible Plan F*
• High-Deductible Plan G
• High-deductible plans typically offer lower monthly premiums but require you to meet a higher annual deductible before coverage begins paying.

Plan Restrictions to Know:

• Plan C and Plan F (including High-Deductible F): Only available to individuals who were eligible for Medicare before January 1, 2020.
• Plans K and L: Include cost-sharing and annual out-of-pocket maximum limits.
• Plan M: Requires you to pay 50% of the Medicare Part A hospital deductible.

How Medigap Works:

You stay on Original Medicare. You can see any doctor nationwide who accepts Medicare. There are no provider networks or referrals required. Medicare pays its share first. Your Medigap plan helps cover the remaining approved expenses based on the plan you choose.

Choosing the Right Plan Matters
While the benefits are standardized, insurance companies vary in monthly premiums, rate increase history, financial strength, and underwriting guidelines.

• Compare carriers side-by-side
• Evaluate long-term rate stability
• Understand the true differences between plan letters
• Determine whether a standard or high-deductible option fits your goals

Lighthouse Medicare Solutions provides clear guidance and smart comparisons so you can make a confident decision.