Medicare Supplement
Medicare Supplement Insurance — commonly called Medigap — helps cover the out-of-pocket costs that Original Medicare doesn’t pay. These include deductibles, coinsurance, and copayments.
With OneHealthOne, you can explore what each standardized plan covers and connect with a licensed insurance agent who can explain your options and help you compare plans available in your area.
What’s Typically Covered by Medigap
Medigap plans are standardized by the federal government and labeled by letters (A, B, D, G, K, L, M, N).
While the benefits of each plan letter are identical across insurers, premiums may vary.
Depending on the plan, Medigap can help pay for:
- Medicare Part A deductible
- Medicare Part B coinsurance or copayments
- Blood transfusions (first 3 pints)
- Skilled nursing facility coinsurance
- Foreign travel emergency coverage
Why Consider a Medicare Supplement Plan
We’re not here to sell insurance — we’re here to make Medicare Supplement simple.
Choosing Medigap offers several advantages for those who prefer flexibility and predictable expenses:
Only applicants first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F.
Note: a means 100% of the benefit is paid.
1 Plans F and G also have a high deductible option which requires first paying a plan deductible of $2,950 in 2026 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plan G counts your payment of the Medicare Part B deductible toward meeting the plan deductible.
2 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
3 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.
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Freedom to Choose Providers
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Predictable Costs
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Guaranteed Renewable
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No Network Restrictions
Who’s Eligible to Enroll
You may be eligible for a Medigap plan if:
- You’re enrolled in both Medicare Part A and Part B, and
- You’re not currently enrolled in a Medicare Advantage plan.
Best time to enroll: During your Medigap Open Enrollment Period — the six-month window that starts when you turn 65 and are enrolled in Part B. During this time, you can get coverage without medical underwriting.
Our Licensed Network and Service Areas
These professionals understand local plan variations, carrier options, and benefits unique to each region — ensuring you receive information that fits your state’s rules and offerings.
Common Questions About Medigap
No. You can only have one type of coverage at a time.
No. You’ll need separate dental or vision plans for those benefits.
Not during your Medigap Open Enrollment Period. After that, medical underwriting may apply.
Yes. We’ll connect you with a licensed agent to help you understand your options — at no cost and no obligation.
Speak with a Licensed Agent
Schedule a no-cost, no-obligation consultation today to learn more about Medicare Advantage and other coverage choices. Find a Licensed Agent →