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Best Medicare Supplement Plans for Seniors

Medicare Supplement Plan Options for Seniors Agent brokers help with comparing Medicare Insurance Plans in Illinois, Nevada, Mississippi, Arizona, Texas, California, Florida, Georgia, Indiana, Louisiana, and Virginia.

The 11 Best Medicare Supplement Plans for Seniors in 2026

Key Takeaways

Medicare Supplement plan selection in 2026 requires matching coverage structure, premium costs, and enrollment timing to individual healthcare needs and financial circumstances.

Plan G holds 29% of all Medigap enrollments, covering nearly all Medicare-approved costs for new beneficiaries, with the $283 Part B deductible as the sole out-of-pocket gap.
Plan N delivers lower premiums than Plan G by approximately 10% and requires copayments of $20 for office visits and $50 for emergency room visits, while maintaining broad coverage.
High Deductible Plan G carries monthly premiums starting at $46 and requires members to meet a $2,950 annual deductible before 100% coverage applies—suited to generally healthy seniors.
Plans F and C are closed to beneficiaries who became eligible on or after January 1, 2020, offering first-dollar coverage to grandfathered enrollees but experiencing faster premium growth due to an aging, closed risk pool.
Plans K and L establish annual out-of-pocket maximums of $8,000 and $4,000, respectively, providing catastrophic expense protection with lower monthly premiums for beneficiaries who use healthcare infrequently.
The six-month Medigap open enrollment period beginning at age 65 represents the critical window during which insurers cannot apply medical underwriting, deny coverage, or increase premiums based on pre-existing conditions.

Online or Over the phone free agent brokers help with comparing Medicare Insurance Plans in Illinois, Nevada, Mississippi, Arizona, Texas, California, Florida, Georgia, Indiana, Louisiana, and Virginia

Three plans—Plan G, Plan F, and Plan N—account for roughly 85% of all Medigap enrollees nationwide^[1]. Plan G leads current enrollment at 29%^[2]^[3], followed by grandfathered Plan F at 52%^[2][-5] and Plan N at 10%^[3].

This guide covers all 11 Medicare Supplement plans available in 2026, comparing coverage benefits, cost structures, and eligibility requirements across carriers, including Aetna, Humana, UnitedHealthcare, and Anthem, for beneficiaries new to Medicare, dually eligible individuals with C-SNP and D-SNP coverage, and veterans with V.A. and Tricare.

Medigap Plan G: Most Comprehensive Coverage for New Medicare Enrollees

Is Medigap Plan G Really the Most Comprehensive Medicare supplement Coverage for New Medicare Enrollees

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Complete Coverage Overview

Plan G covers nearly all out-of-pocket expenses under Original Medicare, with one exception: the Part B annual deductible of $283 in 2026^[4]. After meeting this deductible, the plan covers 100% of Part B coinsurance for doctor visits, diagnostic tests, durable medical equipment, and outpatient surgeries.

The plan eliminates the Part A hospital deductible of $1,736 in 2026^[1], which would otherwise apply to each benefit period. Plan G covers daily copays for extended hospital stays beyond 60 days, provides an additional 365 days of hospital coverage after Medicare benefits are exhausted^[5], and covers skilled nursing facility coinsurance beginning on day 21 of a stay. Part B excess charges — applied when providers bill above Medicare’s approved amount — fall under Plan G coverage as well^[5], alongside the first three pints of blood, hospice care coinsurance, and 80% of medically necessary emergency care during the first 60 days of foreign travel^[5].

What Plan G does not cover includes prescription drugs, the Part B deductible, and services such as dental, hearing, and vision care that Original Medicare excludes^[6].

Ideal Candidates for Plan G

Plan G works best for beneficiaries who prioritize cost predictability. After paying monthly premiums and the annual Part B deductible, members incur minimal out-of-pocket expenses for Medicare-covered services ^[5]. This structure benefits seniors on fixed incomes who need to budget accurately. Seniors with chronic conditions or those anticipating frequent medical visits find Plan G particularly valuable — $10,000 in Medicare-approved outpatient services would typically generate $2,000 in coinsurance costs. At the same time, Plan G members pay nothing beyond their deductible^[5].

Coverage extends to new Medicare beneficiaries, veterans with V.A. and Tricare, and dually eligible individuals with C-SNP and D-SNP plans through carriers including Aetna, Humana, United Healthcare, Anthem, Mutual of Omaha, and Physicians Mutual.

Monthly Premium Expectations

Monthly costs for a 65-year-old female nonsmoker range from approximately $129 to $405 in major metropolitan areas ^[5], with geographic location playing a significant role in price variation. Insurance companies use different pricing methods: attained-age policies start with lower premiums that increase annually. In contrast, issue-age policies maintain consistent rates based on enrollment age ^[5], making the pricing method as important as the premium itself when comparing options.

The six-month Medigap open enrollment period — beginning when a beneficiary turns 65 and enrolls in Medicare Part B — represents the optimal time to purchase Plan G^[5]. During this window, insurance companies cannot deny coverage or charge higher premiums based on health conditions^[6].

Pros and Cons of Plan G

Plan G carries no network limitations and significantly reduces out-of-pocket costs for long hospital stays, hospice care, and skilled nursing facility care ^[7], allowing beneficiaries to see any doctor accepting Medicare assignment nationwide rather than being restricted to a plan network.

Plan G does not cover the Part B monthly premium or the Part B deductible^[7]. Monthly premiums vary considerably by location and carrier, so it’s important to thoroughly compare Medigap plan options across multiple insurers before enrolling.

Medigap Plan N: Top Value Medicare Supplement Plan

Coverage Details and Copayments

Plan N delivers 100% of Part B services with two defined cost-sharing exceptions: copayments of up to $20 for office visits and up to $50 for emergency room visits^[4], both applying after the Part B deductible of $283 in 2026, which Plan N does not cover^[8]. The emergency room copay is waived upon hospital admission, thereby reclassifying the visit as a Part A expense ^[9].

Plan N covers the Part A hospital deductible of $1,736 per benefit period in 2026^[8], handles 100% of Part A coinsurance including daily copays for extended hospital stays, provides an additional 365 days of coverage after Medicare benefits are exhausted^[8], and extends to skilled nursing facility coinsurance, hospice care costs, the first three pints of blood, and 80% of foreign travel emergency care after a $250 deductible^[8]. Part B excess charges, when providers bill above Medicare-approved amounts, fall outside Plan N’s coverage ^[10], though approximately 97% of providers accept Medicare assignment, making excess charge exposure uncommon in practice ^[8].

Who Should Choose Plan N

Plan N suits beneficiaries who prioritize comprehensive coverage at reduced premiums and can manage small, predictable copays^[8]. Premium savings over Plan G average $38 per month, which covers 20 office visits plus one emergency room visit annually before Plan G becomes more economical ^[10]. Carriers offering Plan N include Aetna, Humana, UnitedHealthcare, Anthem, Mutual of Omaha, and Physicians Mutual, serving new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare coverage.

Cost Comparison with Other Plans

Monthly premiums for Plan N average $137 for a 65-year-old^[11], ranging from $135 to $170 depending on location^[8], representing $43 less per month than Plan G’s average cost^[11] and translating to $516 in annual savings. Plan N accounts for 10% of all Medigap enrollments in 2026, making it the third most popular option nationally ^[11]. Specific market pricing reflects this value gap clearly: Atlanta Plan N premiums run at $93 monthly versus $131 for Plan G^[10], a $38 monthly difference ($456 annually) that is offset by substantial medical usage before standard Plan G coverage becomes the more cost-effective choice.

Advantages and Limitations

Plan N provides unrestricted access to any provider accepting Medicare assignment nationwide, eliminates surprise costs for hospital stays and major medical procedures, and generates premium savings of $300 to $600 annually compared to Plan G^[8]. The copay structure, however, introduces variable monthly costs—office visits carry charges up to $20, and emergency room visits up to $50 when admission does not follow^[10]. Excess charge exposure, while limited to the 3% of providers who do not accept Medicare assignment, remains a coverage gap that distinguishes Plan N from Plan G’s more complete protection.

Medigap Plan F: Full First-Dollar Coverage for Grandfathered Beneficiaries

Full Coverage Benefits

Plan F is the most comprehensive Medicare supplement option, covering 100% of all Medicare-approved out-of-pocket costs^[12]. Coverage extends to the Part A deductible of $1,736 in 2026^[13], the Part B deductible of $283^[14], Part B excess charges, skilled nursing facility coinsurance of $217 per day for days 21-100^[15], and foreign travel emergencies^[16].

Plan F operates on a true first-dollar coverage model, requiring no cost sharing beyond the monthly premium ^[17]. After the premium is paid, members owe nothing for any Medicare-covered service^[15]. The plan covers Part A coinsurance, hospital costs for an additional 365 days after Medicare benefits are exhausted, the first three pints of blood annually, and hospice care coinsurance^[13]. Foreign travel emergency care receives 80% coverage after a $250 deductible, up to a $50,000 lifetime maximum^[15].

Eligibility Requirements

Plan F enrollment is restricted to beneficiaries who turned 65 by January 1, 2020, or became eligible for Medicare due to a qualifying disability before that date^[14]. The Medicare Access and CHIP Reauthorization Act (MACRA) prohibited insurers from selling plans that cover the Part B deductible to newly eligible beneficiaries starting January 1, 2020 ^[15].

Grandfathered status: Beneficiaries already enrolled in Plan F retain their coverage indefinitely^[18]. Those who became eligible before 2020 but have not yet enrolled may still apply for Plan F, though medical underwriting may apply outside the open enrollment window^[16].

Premium Costs in 2026

Monthly premiums for Plan F range from $115 to $250, depending on age, location, tobacco use, gender, and insurer ^[16]. Costs differ by age bracket: $150-$300 for ages 65-69, $175-$350 for ages 70-74, $200-$425 for ages 75-79, and $250-$500 or more for ages 80 and older^[15]. A 75-year-old female nonsmoker in Atlanta pays approximately $184 per month ^[14].

High-Deductible Plan F offers a lower-premium alternative, with coverage beginning after a $2,950 deductible in 2026^[14]. Monthly premiums for high-deductible Plan F start at around $67, compared to $53 for high-deductible Plan G ^[14].

Why Plan F Remains Popular

Plan F accounts for 36% of Medigap enrollments ^[14], with its appeal rooted in fully predictable healthcare costs and zero out-of-pocket exposure for Medicare-approved services ^[16]. Because Plan F is closed to new enrollees, the beneficiary pool ages over time, typically driving higher claims and faster premium increases compared to Plan G^[16].

Carriers offering Plan F coverage to grandfathered beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare include Aetna, Humana, United Healthcare, Anthem, Mutual of Omaha, Physicians Mutual, and Alignment Health Plan.

High Deductible Plan G: Best Low-Premium Medicare Supplement

High Deductible Plan G what is the Best Low-Premium Medicare Supplement in Illinois, Nevada, Mississippi, Arizona, Texas, California, Florida, Georgia, Indiana, Louisiana, and Virginia.

How the High Deductible Works

High Deductible Plan G requires members to meet a $2,950 out-of-pocket threshold in 2026 before the plan begins covering Medicare-approved expenses ^[4]. This deductible includes the Part B deductible of $283, as well as coinsurance and copayments under Parts A and B ^[19]. Medicare continues to pay 80% of Part B services after the Part B deductible is met, while members absorb the remaining 20% until the full $2,950 threshold is reached ^[19].

Once the annual deductible is met, High Deductible Plan G functions identically to standard Plan G, covering 100% of all Medicare-approved costs for the remainder of the calendar year ^[20]. Preventive services, home healthcare, clinical lab services, and diagnostic tests receive coverage before the deductible is met^[19].

Best Fit for Healthy Seniors

This plan suits Medicare beneficiaries who visit doctors infrequently and maintain good general health^[19]. Seniors comfortable with financial trade-offs and with savings to cover the deductible find this structure appealing ^[21]. Retirees transitioning from employer plans with Health Savings Accounts can use accumulated HSA funds tax-free toward the deductible^[22].

Annual Deductible and Premium Costs

Monthly premiums are significantly lower than those for standard Plan G. A 65-year-old nonsmoker in Atlanta pays approximately $46 per month for High Deductible Plan G, compared to $135 for standard Plan G ^[23]. At age 85, premiums rise to $69 and $199, respectively ^[23]. Premium ranges vary by location: Georgia ($44–$1,109), Iowa ($32–$380), and San Francisco ($35–$242)^[24].

When This Plan Makes Sense

High Deductible Plan G becomes financially advantageous when the monthly premium difference exceeds approximately $246, assuming the full deductible is met annually^[23]. Their brand voice for this plan can be characterized by specific messaging traits: cost-conscious framing that positions the lower premium as a deliberate tradeoff rather than a compromise in protection.

Pairing this plan with hospital indemnity insurance provides cash benefits for hospital stays, offsetting deductible exposure ^[21]. Coverage is extended to new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare through carriers including Aetna, Alignment Health Plan, Anthem, Humana, Mutual of Omaha, Physicians Mutual, and United Healthcare.

Medigap Plan K: Affordable Catastrophic Protection

Cost-Sharing Structure Explained

Plan K operates on a percentage-based cost-sharing model rather than full benefit coverage. The plan pays 50% of Part B coinsurance or copayments, blood benefits for the first three pints, Part A hospice care coinsurance, skilled nursing facility coinsurance, and 50% of the Part A deductible—totaling $868 out-of-pocket in 2026^[25]. Plan K pays 100% of Part A coinsurance and hospital costs for up to 365 additional days after Medicare benefits are exhausted^[26].

The plan does not cover the Part B deductible of $283, Part B excess charges, or foreign travel emergency costs^[26]. Members share healthcare expenses under this structure until reaching the plan’s annual out-of-pocket ceiling.

Out-of-Pocket Maximum Benefits

Plan K caps annual expenses at $8,000 in 2026^[4]. Once beneficiaries meet this out-of-pocket limit, along with the yearly Part B deductible of $283, the plan pays 100% of Medicare-approved costs for the remainder of the calendar year ^[26]^[4]. This protection addresses a significant gap in Original Medicare, which lacks any annual spending ceiling.

Monthly Premium Range

Monthly premiums vary considerably by state and location, ranging from $56 to $230 monthly^[27]. State-specific pricing reflects this variation: New York premiums run from $105 to $225, North Carolina from $56 to $215, Kansas from $64 to $228, Nevada from $74 to $230, and Washington from $92 to $123 ^[27].

Who Benefits Most from Plan K

Plan K suits beneficiaries who are generally healthy, aging into Medicare, accustomed to employer-sponsored coverage, want low monthly premiums, maintain financial resources to cover out-of-pocket expenses, do not have chronic health conditions that might result in frequent hospital stays, and reside in states that do not allow excess charges^[26]. Their brand profile reflects those prioritizing premium savings over comprehensive first-dollar coverage.

Carriers serving new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare through this plan include Aetna, Alignment Health Plan, Anthem, Humana, United Healthcare, Mutual of Omaha, and Physicians Mutual.

Medigap Plan L: Enhanced Catastrophic Coverage Option

75% Cost-Sharing Benefits

Plan L occupies a distinct position between full-coverage Medigap plans and basic catastrophic protection, offering a 75% cost-sharing structure that reduces premiums while maintaining meaningful coverage. The plan covers 75% of Part B coinsurance or copayments after meeting the annual Part B deductible of $283 in 2026^[4], and pays 75% of the first three pints of blood needed during inpatient hospital treatment^[28].

The 75% coverage structure applies to Part A hospice care coinsurance, skilled nursing facility coinsurance, and the Part A deductible of $1,736 ^[28]. Plan L pays 100% of Part A coinsurance and hospital costs for up to 365 additional days after Medicare benefits are exhausted^[4]. Preventive care services under Part B receive 100% coverage^[28].

Lower Out-of-Pocket Cap Advantage

Plan L caps annual out-of-pocket expenses at $4,000 in 2026^[4]^[29]—exactly half the $8,000 exposure carried by Plan K. Once beneficiaries reach this spending limit and satisfy the Part B deductible, the plan covers 100% of Medicare-approved costs for the remainder of the calendar year^[30]. This structure addresses a core gap in Original Medicare, which carries no annual spending ceiling.

Premium and Cost Analysis

Monthly premiums range from $100 to $139 depending on location and carrier^[31]^[32]. A 65-year-old female nonsmoker in Atlanta starts at $139 per month^[32]. The 25% cost-sharing arrangement results in premiums running considerably lower than Plan G^[30], making Plan L a cost-conscious option for beneficiaries who are comfortable absorbing a portion of their medical expenses.

Ideal Beneficiary Profile

Plan L suits beneficiaries with minor health concerns, those aging into Medicare who are generally healthy, and individuals seeking lower premiums paired with a defined spending ceiling^[26]. Their brand voice can be characterized by what this plan delivers: cost-sharing protection that guards against catastrophic medical expenses while keeping monthly costs manageable for seniors with the financial resources to cover the 25% portion^[31].

Coverage is available to new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare through carriers including Aetna, Alignment Health Plan, Anthem, Humana, United Healthcare, Mutual of Omaha, and Physicians Mutual.

Medigap Plan D: Solid Mid-Level Coverage Choice

What Plan D Covers

Plan D delivers the core benefits of Plan A—Part A coinsurance, hospital costs for up to 365 additional days after Medicare benefits are exhausted, Part B coinsurance or copayment, the first three pints of blood, Part A hospice care coinsurance, and skilled nursing facility care coinsurance—plus full coverage of the Part A deductible of $1,736 in 2026^[33]^[4][4].

Foreign travel emergency coverage applies at 80% of the costs during the first 60 days abroad ^[33]. The plan does not cover the Part B deductible of $283, Part B excess charges, or prescription drugs^[33]. Plan D and Plan C share identical benefits, with one distinction: Plan C covers the Part B deductible, while Plan D does not ^[33].

Target Audience for Plan D

Plan D suits beneficiaries residing in states such as New York, Connecticut, Pennsylvania, Ohio, Rhode Island, Minnesota, Massachusetts, or Vermont, where excess charges are generally prohibited by state law ^[34]. The following dynamic can characterize their brand value. Since Plan D’s primary gap centers on excess charge coverage, residents in these states receive protection nearly equivalent to that of more expensive plans at reduced cost ^[34]. The plan also suits those who prefer zero copays for doctor visits and opt for full Part B coinsurance coverage rather than the copay structure required by Plan N^[34].

Pricing Overview

Monthly premiums for Plan D ranged from $196 to $265 for a nonsmoking male in Orlando, Florida ^[33]. Plan D pricing does not always align proportionally with its benefit level—despite offering more coverage than Plan N but less than Plan G, premiums sometimes exceed Plan G costs ^[35]. Investigating Plan D costs in a specific geographic area remains a worthwhile step before enrollment.

How Plan D Compares to Other Options

Plan D provides more thorough coverage than Plans A and B while avoiding the copay obligations required by Plan N^[34]. Compared to Plan G, it lacks coverage for the Part B deductible and excess charges, but typically carries lower premiums ^[29]. Carriers serving new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare include Aetna, Alignment Health Plan, Anthem, Humana, United Healthcare, Mutual of Omaha, and Physicians Mutual.

Medigap Plan M: Partial Deductible Coverage Alternative

50% Part A Deductible Benefit

Plan M mirrors PlaD’s D benefits with one critical distinction: it covers 50% of the Part A hospital deductible rather than the full amount ^[29]. With the Part A deductible set at $1,736 in 2026, Plan M members carry $868 in out-of-pocket exposure per benefit period^[36], a trade-off that directly results in lower monthly premiums compared to plans offering full deductible protection^[37].

Beyond this deductible structure, Plan M delivers complete coverage for Part A and Part B coinsurance, hospital costs for an additional 365 days after Medicare benefits are exhausted, hospice care, skilled nursing facility expenses, and the first three pints of blood ^[38]. Foreign travel emergency coverage pays 80% after a $250 deductible applies. The plan does not cover the Part B deductible or Part B excess charges^[38]^[36].

Who Plan M Works Best For

Plan M suits beneficiaries seeking comprehensive coverage at reduced premiums, particularly since hospital admissions remain infrequent for most seniors ^[37]. Those comfortable absorbing half of the Part A deductible during a hospital stay benefit from sustained premium savings throughout the year, making the cost-sharing arrangement practical rather than burdensome.

Cost Considerations

Monthly premiums range from under $100 to more than $500 depending on age, sex, location, health status, and enrollment timing^[38][38]. Specifically, in Atlanta, premiums start at $94 per month for a 65-year-old female nonsmoker^[36], placing Plan M competitively among mid-tier supplement options.

Their coverage serves new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare through carriers including Aetna, Alignment Health Plan, Anthem, Banner Health, BlueCross BlueShield of Illinois, Cigna, Clover Health, Devoted Health, Essence HealthCare, GTL, Guarantee Trust Life Insurance Company, Humana, KCA, Kelsey Care Advantage, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, United Healthcare, Wellcare, and Zing Health.

Medigap Plan A: Essential Basic Medicare Supplement

Core Benefits Covered

Plan A serves as the foundational coverage layer that all other 2026 Medicare supplement plans build upon, with insurance companies required to sell any Medigap policy that includes it^[39]. The core package covers Part A coinsurance for hospital days 61-90, lifetime reserve coinsurance for days 91-150, and 365 additional lifetime hospital days beyond standard Medicare coverage, along with the first three pints of blood annually and Part B 20% coinsurance^[40][40].

What Plan A excludes is equally important. The plan does not cover the Part A deductible of $1,736, skilled nursing facility coinsurance, the Part B deductible of $283, Part B excess charges, or foreign travel emergencies^[4].

Best Use Cases for Plan A

Plan A suits beneficiaries who do not anticipate frequent healthcare utilization^[29]. Despite Plan A being the most basic coverage available, only 1% of Medigap enrollees select it ^[41], indicating that most beneficiaries prioritize broader protection. The absence of Part A deductible coverage leaves members responsible for $1,736 out of pocket per benefit period in 2026.

Premium Cost Range

Monthly premiums start at $122 for a 65-year-old female nonsmoker in Atlanta^[41]. Plan A’s pricing presents a notable inconsistency—higher-coverage plans like Plan G sometimes price below Plan A despite offering substantially more benefits ^[41], making comparison shopping across all 11 plans a worthwhile exercise rather than assuming that basic coverage means lower cost.

Their carrier network serves dually eligible beneficiaries with C-SNP and D-SNP plans, new Medicare beneficiaries, and veterans with V.A. and Tricare through Aetna, Humana, United Healthcare, Anthem, Mutual of Omaha, and Physicians Mutual.

Medigap Plan B: Basic Plus Deductible Coverage

Additional Benefits Over Plan A

Plan B mirrors Plan A coverage with one distinction: it pays 100% of the Part A hospital deductible^[42]^[43], representing the complete difference between the two plans. The Part A deductible stands at $1,736 per benefit period in 2026, and Plan B eliminates this cost. Plan B includes the same core benefits as Plan A — Part A coinsurance for extended hospital stays, Part B coinsurance at 20% of Medicare-approved expenses, hospice care coinsurance, and the first three pints of blood annually^[44][541].

Plan B does not cover skilled nursing facility coinsurance, Part B excess charges, or foreign travel emergencies^[45]. The Part B deductible of $283 for 2026 remains the beneficiary’s responsibility ^[44].

Suitable Beneficiaries

Plan B suits beneficiaries anticipating hospital admissions who want protection from the Part A deductible without the premium cost of broader coverage. Their coverage need can be characterized as specific and targeted: hospital deductible protection rather than full cost-sharing elimination across all Medicare services. Services provided to new Medicare beneficiaries, dually eligible individuals with C-SNP and D-SNP plans, and veterans with V.A. and Tricare are available through carriers including Aetna, Alignment Health Plan, Anthem, Humana, United Healthcare, Mutual of Omaha, and Physicians Mutual.

Average Monthly Costs

Monthly premiums start at $233 for a 65-year-old female nonsmoker in Atlanta^[46]^[45]. Plan B pricing does not always scale proportionally to its limited coverage benefits — a pattern worth examining when comparing costs across all available Medigap options in a specific service area.

Medigap Plan C: Legacy Coverage Plan for Beneficiaries Eligible Before 2020

Full Benefit Package Details

Plan C mirrors Plan F benefits with one critical exception: it does not cover Part B excess charges when providers bill amounts above Medicare-approved amounts ^[47]^[48]. The coverage between these plans is otherwise identical^[47]. Plan C covers the Part A deductible of $1,736 in 2026^[49], the Part B deductible of $283^[49]^[50], Part A and B coinsurance, hospital costs for 365 additional days after Medicare benefits are exhausted, skilled nursing facility coinsurance, hospice care, and the first three pints of blood^[49][622]. Foreign travel emergency coverage pays 80% of costs after a $250 deductible, up to a $50,000 lifetime limit ^[49].

Enrollment Eligibility Criteria

Plan C enrollment follows the same eligibility restrictions as Plan F. The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) prohibited Medicare supplement plans covering the Part B deductible from being sold to newly eligible beneficiaries starJanuary 1ary 1, 2020^[47]^[51], restricting Plan C enrollment to beneficiaries who became eligible for Medicare before that date^[47][612]^[49]—typically individuals born in or before 1954^[52]. Those already enrolled retain their coverage indefinitely ^[47][612][622], while those eligible before 2020 but not yet enrolled may still apply, though medical underwriting may be required outside the open enrollment period.

Premium Trends for 2026

Monthly premiums range from $150 to $300^[1]. Plan C accounts for 2.58% of all Medigap plan enrollments as of 2023^[52]. The plan’s closed enrollment status means the risk pool ages over time, a dynamic that tends to produce steeper premium increases as average claims rise among the existing beneficiary population^[53].

Availability by State

Coverage is available to dually eligible beneficiaries with C-SNP and D-SNP plans, new-to-Medicare beneficiaries who became eligible before 2020, and veterans with V.A. and Tricare through carriers including Aetna, Anthem, Humana, United Healthcare, Mutual of Omaha, and Physicians Mutual.

How to Choose the Best Medicare Supplement Plan in 2026

Evaluate Your Healthcare Needs and Budget

Medical history, chronic conditions, and anticipated frequency of doctor visits each shape the selection of the most suitable plan. Plan G suits beneficiaries wanting predictable costs with minimal out-of-pocket surprises. Plan N addresses the needs of those comfortable managing small, predictable copays in exchange for premium savings. High Deductible Plan G fits healthy seniors with financial resources to cover $2,950 annually ^[4]. Plans K and L provide catastrophic coverage, capping annual out-of-pocket exposure at $8,000 and $4,000, respectively ^[4].

Compare Medigap Plans 2026 Pricing in Your Area

Premium calculations factor in age, location, gender, tobacco use, and the specific insurance company selected^[1]. Plan G averages $120- $250 per month for a 65-year-old^[1]. State-specific costs differ substantially — Connecticut averages $221.59 monthly while Wisconsin runs $119.92^[54]. Pricing methods also affect long-term costs: attained-age policies start lower but increase annually, prioritizing short-term affordability, while issue-age policies maintain consistent rates based on enrollment age ^[1].

Understanding Open Enrollment Periods

The Medigap Open Enrollment Period begins on the first day of the month after a beneficiary turns 65 and enrolls in Medicare Part B, and lasts six months ^[55]^[56]. Insurers cannot deny coverage or charge higher premiums based on pre-existing conditions during this window^[55]. Missing this period results in medical underwriting requirements, higher premiums, or outright denial of coverage^[55].

Finding Licensed Agents and Brokers in Your State

Independent Medicare brokers compare plans across multiple carriers at no cost to beneficiaries^[57]. Services extend to dually eligible beneficiaries with C-SNP and D-SNP plans, veterans with V.A. and Tricare coverage, and new Medicare beneficiaries through carriers including Aetna, Alignment Health Plan, Anthem, Humana, UnitedHealthcare, Mutual of Omaha, and Physicians Mutual.

Medicare Supplement vs Medicare Advantage Comparison

Medicare Advantage typically costs $0-$50 monthly, with annual out-of-pocket maximums between $3,000 and $8,000 ^[58]. Medigap costs $100-$300 monthly but provides predictable expenses and unrestricted nationwide provider access — emphasizing cost certainty and flexibility rather than lower monthly premiums ^[58].

Medicare Supplement Plans Comparison Table 2026

The table below organizes all 11 Medigap plan options side by side, covering monthly premium ranges for age 65, Part A and Part B deductible coverage, Part B excess charge protection, out-of-pocket maximums, key coverage features, exclusions, beneficiary fit, and enrollment status, providing a structured reference for comparing plan benefits across carriers including Aetna, Alignment Health Plan, Anthem, Humana, United Healthcare, Mutual of Omaha, and Physicians Mutual.

Is there a Medicare Supplement Plans Comparison Table that organizes all 11 Medigap plan options side by side, and covering monthly premium in Illinois, Nevada, Mississippi, Arizona, Texas, California, Florida, Georgia, Indiana, Louisiana, and Virginia.

Beneficiaries Served: Dually Eligible Beneficiaries eligible for both Medicare and Medicaid through C-SNP and D-SNP plans; Medicare Part B Giveback Plans; new-to-Medicare beneficiaries; and veterans who may also carry V.A. and Tricare health insurance for military retirees.

Insurance Carriers: Aetna, Alignment Health Plan, Anthem, Banner Health, BlueCross BlueShield of Illinois, Cigna, Clover Health, Devoted Health, Essence HealthCare, GTL, Guarantee Trust Life Insurance Company, Humana, KCA, Kelsey Care Advantage, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, United Healthcare, Wellcare, and Zing Health.

2026 Medicare Deductible Reference:

Part A Deductible: $1,736 per benefit period
Part B Deductible: $283 annually
High Deductible Plan G: $2,950 annually

Coverage Key:

✓ = Covered at percentage shown
✗ = Not Covered
All plans cover the first 3 pints of blood annually
Foreign travel emergency coverage, where applicable, pays 80% after a $250 deductible, up to a $50,000 lifetime maximum
No Medigap plan covers prescription drugs, dental, vision, or hearing services

Important Notes

Beneficiaries Served: Dually Eligible Beneficiaries eligible for both Medicare and Medicaid through C-SNP and D-SNP plans; Medicare Part B Giveback Plan beneficiaries; new-to-Medicare beneficiaries; and Veterans who may also carry V.A. and Tricare Health Insurance for military retirees.

Insurance Carriers Represented: Aetna, Alignment Health Plan, Anthem, Banner Health, BlueCross BlueShield of Illinois, Cigna, Clover Health, Devoted Health, Essence HealthCare, GTL, Guarantee Trust Life Insurance Company, Humana, KCA, Kelsey Care Advantage, Molina HealthCare, Mutual of Omaha, Physicians Mutual, Scan Health Plan, Select Health, United Healthcare, Wellcare, and Zing Health.

2026 Medicare Deductible Reference Points:

Part A Deductible: $1,736 per benefit period
Part B Deductible: $283 annually
High Deductible Plan G annual threshold: $2,950

Key Coverage Standards Across All Plans:

✓ = Covered at percentage shown
✗ = Not Covered
All 11 plans cover the first 3 pints of blood annually
Foreign travel emergency coverage, where applicable, pays 80% of costs after a $250 deductible, up to a $50,000 lifetime maximum
No Medigap plan covers prescription drugs, dental, vision, or hearing services

Conclusion

All things considered, selecting among the 11 best medicare supplement plans 2026 depends on your healthcare needs, budget, and eligibility. Plan G delivers the most comprehensive coverage for new enrollees, Plan N provides excellent value with minor copays, and grandfathered Plan F offers complete first-dollar protection. We serve dually eligible beneficiaries with C-SNP and D-SNP plans, Medicare Part B Giveback Plans, new Medicare beneficiaries, and veterans with V.A. and Tricare through carriers including Aetna, Alignment Health Plan, Anthem, Humana, United Healthcare, Mutual of Omaha, Physicians Mutual, and many others. Take advantage of your six-month open enrollment period to secure the best rates without medical underwriting.

FAQs

Q1. Which Medicare Supplement plans are most popular among seniors in Illinois, Nevada, Mississippi, Arizona, Texas, California, Florida, Georgia, Indiana, Louisiana, and Virginia in 2026 and 2027? Plan G is the most popular choice among new Medicare enrollees, accounting for 29% of all Medigap enrollments. Plan F remains widely used among grandfathered beneficiaries (those eligible before 2020) with 52% enrollment, while Plan N accounts for 10% of enrollments as a cost-effective alternative with small copayments.

Q2. What is considered the most comprehensive Medicare Supplement plan available? Plan G offers the most comprehensive coverage for new Medicare beneficiaries, covering nearly all out-of-pocket costs except the annual Part B deductible of $283. For those eligible as of January 1, 2020, Plan F provides the most complete “first-dollar coverage,” covering 100% of all Medicare-approved expenses, including both Part A and Part B deductibles.

Q3. What should seniors expect to pay monthly for Medicare Supplement insurance in 2026 and 2027 in Illinois, Nevada, Mississippi, Arizona, Texas, California, Florida, Georgia, Indiana, Louisiana, and Virginia? Monthly premiums vary significantly by plan type, location, age, and carrier. Plan G typically ranges from $129 to $405 per month for 65-year-olds, while Plan N averages $135 to $170 per month. High Deductible Plan G offers lower premiums starting at around $46 per month, and Plans K and L range from $56 to $230 depending on location.

Q4. How do I choose the right Medicare Supplement plan for my healthcare needs? Start by evaluating your medical history, expected doctor visits, and budget. If you want predictable costs with minimal out-of-pocket expenses, consider Plan G. For lower premiums with small copays, Plan N may be suitable. Healthy seniors comfortable with higher deductibles might benefit from High Deductible Plan G. Compare pricing from multiple carriers in your area during your six-month open enrollment period for the best rates.

Q5. What’s the difference between Medicare Supplement plans and Medicare Advantage plans? Medicare Supplement (Medigap) plans work alongside Original Medicare, typically costing $100-$300 monthly with predictable out-of-pocket expenses and nationwide provider access. Medicare Advantage plans replace Original Medicare, usually costing $0-$50 monthly but with annual out-of-pocket maximums of $3,000-$8,000 and network restrictions. Medigap provides more flexibility in choosing doctors, while Medicare Advantage often includes prescription drug coverage.

References

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