Compare Medicare Supplement Plans Side by Side

Private Medigap policies help with copayments, coinsurance, and deductibles Original Medicare does not fully cover.

In most states, lettered plans (G, N, etc.) offer identical core benefits for a given letter regardless of carrier — only price and optional features change.

Stellar Health Agency agents help you read plan comparisons so you can match a letter to your healthcare use.

Massachusetts, Minnesota, and Wisconsin use different standardization rules.

What should I know about Medigap plans?

Carriers choose which lettered plans to sell, within federal and state requirements. Not every letter is available from every company.

When insurers sell Medigap, they must:

• Offer Medigap Plan A.
• If they sell additional plans, also offer Plan C or F to those first eligible before January 1, 2020, and Plan D or G to those newly eligible on or after that date.
• May market other standardized letters depending on state law.

Medigap pays your share of costs for services Original Medicare covers, according to the letter you own.

Foreign travel emergency coverage

Plans C, D, F, G, M, and N include limited foreign travel emergency benefits — often 80% of qualifying emergency care abroad, subject to plan terms.

Typical limits involve a $250 deductible per year, coverage for emergencies starting within the first 60 days of travel, and a $50,000 lifetime maximum.

When is the best time to buy a Medigap policy?

Your Medigap Open Enrollment Period is usually the strongest buying window.

It lasts six months and begins the first month you are 65 or older and enrolled in Part B.

During that period, insurers generally cannot deny coverage or charge more because of health history for any plan sold in your state.

Afterward, underwriting, higher premiums, or denials may apply unless you have guaranteed-issue rights under federal or state rules.

Call Stellar Health Agency for timing guidance. Figures reflect 2026 Medicare.gov and CMS publications.