How to Choose the Right Texas Medigap Plans

Table of Contents

If you’re looking at Medigap plans, you’ve probably noticed that the benefits are standardized. A Plan G from one company offers the exact same core coverage as a Plan G from another. So, what’s the difference? The price, the company’s reputation for customer service, and its history of rate increases. The key to finding the best value isn’t just picking the right plan letter; it’s about finding the right company to stand behind that plan. This article will serve as your guide to the world of Texas Medigap plans, helping you compare the top-rated insurance providers and understand the factors that truly matter for your long-term financial well-being.

Key Takeaways

Shop for the Best Price, Not Different Benefits: Medigap plans are standardized, meaning a Plan G from one company is identical to a Plan G from another. This allows you to focus your search on finding a reputable company that offers the most competitive premium for the plan letter you choose.
Prioritize Your Open Enrollment Period: You have a one-time, six-month window when you turn 65 and have Part B to buy any Medigap plan without answering health questions. Missing this period means you could be denied coverage or charged more, making it the most important deadline to watch.
Choose a Plan Based on Your Financial Comfort Zone: The right plan balances monthly cost with out-of-pocket risk. Plan G offers near-complete coverage for a higher premium and predictable costs, while Plan N has a lower premium but requires small copays for some services—a great fit if you’re comfortable with minor, occasional expenses.

What is a Medigap Plan in Texas?

If you’re getting started with Medicare, you’ve likely come across the term “Medigap” and wondered what it is. Think of Medigap plans as a way to make your healthcare costs more predictable. These plans are sold by private insurance companies and work alongside your Original Medicare benefits to help cover your share of the costs. Understanding how they function is the first step in deciding if one is right for you.

What is Medicare Supplement Insurance?

Let’s start with the basics. Medicare Supplement Insurance, or Medigap, is private health insurance designed to help pay for some of the healthcare costs that Original Medicare doesn’t cover. While Original Medicare covers a large portion of your medical bills, you’re still responsible for things like deductibles, copayments, and coinsurance. A Medicare supplement insurance plan helps pay for these out-of-pocket expenses, giving you more financial predictability. In Texas, all Medigap plans are standardized. This means that the benefits for each plan letter (like Plan G or Plan N) are the same, no matter which insurance company you choose.

How Medigap Works with Original Medicare

It’s important to know that Medigap plans only work with Original Medicare (Part A and Part B). They are not standalone plans. Here’s how the process works: first, Medicare pays its share of the approved amount for your covered healthcare costs. Then, your Medigap policy pays its share. A key rule to remember is that you cannot have a Medigap plan if you are enrolled in a Medicare Advantage plan. You have to choose one path or the other. If you stick with Original Medicare, a Medigap plan is an option to help manage your costs.

What Gaps in Coverage Does Medigap Fill?

The term “Medigap” can be a little misleading. These plans are designed to fill the financial “gaps” in Original Medicare, not add extra benefits like routine dental or vision care. Original Medicare leaves you responsible for certain costs, and that’s where Medigap comes in. Depending on the plan you choose, a Medigap policy can cover your Part A hospital deductible, the 20% coinsurance for most doctor visits, and even the first three pints of blood. Some plans also offer a benefit for foreign travel emergencies. Essentially, Medigap helps pay your share of the costs for services that Medicare already covers.

Explore Your Texas Medigap Plan Options

When you start looking at Medigap plans in Texas, you’ll see a lot of letters. It can feel like you’re trying to solve an alphabet soup puzzle, but it’s more straightforward than it looks. All Medigap plans are standardized by the government, which means the benefits for each plan letter are the same no matter which insurance company you choose. A Plan G from one company offers the same core coverage as a Plan G from another. This makes it much easier to compare your options based on price and service. Let’s break down the most common choices.

An Overview of Plans A Through N

In Texas, you can choose from 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N. Each plan covers a different set of out-of-pocket costs that Original Medicare leaves behind, such as copayments, coinsurance, and deductibles. Because the benefits are standardized, you can focus on finding a trusted company with competitive pricing. The Texas Department of Insurance provides a helpful guide that shows exactly what each plan letter covers, so you can see the differences side-by-side.

Why Plans F, G, and N Are So Popular

You’ll hear a lot about Plans F, G, and N, and for good reason—they are the top choices for most Texans. Plan G is the most popular option for people new to Medicare because it offers very comprehensive coverage, only leaving you to pay the annual Medicare Part B deductible. Plan F provides the most coverage possible, but it’s only available if you were eligible for Medicare before January 1, 2020. Plan N is a great alternative if you want a lower monthly premium and are okay with paying small copays for some doctor and ER visits.

Considering a High-Deductible Plan

If you’re in good health and want to keep your monthly premiums as low as possible, a high-deductible plan might be the right fit. Both Plan F and Plan G are available in a high-deductible version. With this option, you pay for your Medicare-related costs out-of-pocket until you meet a set annual deductible. Once you’ve met it, your plan pays 100% of covered services for the rest of the year. This can be a cost-effective way to get protection against major, unexpected medical bills while maintaining a lower monthly payment.

Which Plans Are No Longer Available?

It’s important to know that a few plans are no longer sold to new Medicare members. Due to a federal law change, if you became eligible for Medicare on or after January 1, 2020, you cannot buy Plan C, Plan F, or the high-deductible version of Plan F. This is because these plans cover the Part B deductible, which is no longer allowed for new enrollees. If you already have one of these plans, you can keep it. For everyone new to Medicare, Plan G is now the most comprehensive plan available.

How Much Does a Texas Medigap Plan Cost?

One of the first questions on everyone’s mind is, “What’s this going to cost me?” It’s a fair question, and the answer is: it depends. The price of a Medigap plan in Texas isn’t one-size-fits-all. Premiums can range from less than $50 to over a thousand dollars a month. This variation comes down to the plan you choose, the company you buy from, and a few personal factors. Let’s break down what goes into the price tag so you can get a clearer picture of what to expect.

Typical Premium Costs

When you start looking at Medigap plans in Texas, you’ll see a wide range of monthly premiums, from as low as about $48 to as high as $1,900. For example, a comprehensive plan like Plan G might run from around $96 to $924 per month, while a more basic option like Plan K could be as low as $48. This is a huge range, which is why it’s so important to compare your options. The specific premium you’ll pay depends on the insurance company and the level of coverage you select. Think of it like shopping for a car—different models come with different features and, therefore, different prices.

Factors That Affect Your Premium

Several key factors influence your monthly premium. The plan you choose (like Plan G or Plan N) is the biggest one, but your location in Texas also plays a role, as costs can vary by zip code. Insurance companies will also look at your age, gender, and whether you use tobacco. The timing of your application matters, too—enrolling during your Medigap Open Enrollment Period is key to getting the best price. Insurers use a few different methods to set prices, which is why you can get different quotes from different companies for the exact same plan.

How Your Age Can Influence Pricing

Your age is a significant factor in what you’ll pay for a Medigap plan, especially over the long term. Most plans available in Texas are “attained-age rated.” This simply means your premium is based on your current age and will increase as you get older. So, the price you pay at 65 will be lower than the price you pay at 75. A few plans are “issue-age rated,” where the premium is based on your age when you first buy the policy. While it may still increase due to inflation, it won’t go up just because you’re having another birthday. Understanding this helps you plan for future healthcare costs.

Find Available Discounts and Savings

Don’t forget to ask about discounts! Many insurance companies offer ways to lower your monthly premium. You might be able to get a better rate if you’re married and both you and your spouse are applying, if you’re a non-smoker, or if you’re a woman. Some companies also offer a small discount for setting up automatic bank payments or for paying your premium annually instead of monthly. These little savings can add up over the year. When you’re getting quotes, make it a point to ask the agent about any potential discounts you might qualify for.

Who Offers the Best Medigap Plans in Texas?

One of the most important things to understand about Medigap is that the plans are standardized. That means a Plan G from one insurance company offers the exact same basic benefits as a Plan G from another company. So, if the coverage is the same, what’s the difference? The company.

Insurance providers vary quite a bit when it comes to things like monthly premiums, customer service quality, and how often they raise their rates. Choosing the right company is just as important as choosing the right plan. The “best” provider for you will depend on your budget, how much you value customer support, and your long-term financial goals. While there isn’t a single perfect choice for everyone, some companies consistently earn high marks for their service and value in Texas. We’ll look at a few of the top-rated providers to give you a solid starting point for your own comparison shopping.

Our Top-Rated Insurance Providers

When you start looking for Medigap plans, you’ll see a lot of familiar names. In Texas, several insurance companies stand out for their strong reputations, customer satisfaction, and competitive pricing. Think of this list as a helpful guide to some of the most reliable options on the market. These are the providers that many Texans trust for their Medigap coverage. We’ll walk through what makes each one a popular choice, so you can see how they stack up and decide which might be the right fit for your healthcare needs and budget.

UnitedHealthcare (AARP)

You’ve likely seen the AARP name connected with UnitedHealthcare, and it’s a partnership that many people trust. UnitedHealthcare consistently ranks as one of the best Medicare Supplement plans in Texas. They earn top marks for offering a wide variety of plan types, which gives you plenty of options to choose from. More importantly, they have a very low number of member complaints, suggesting that their customers are generally happy with the service they receive. This combination of choice and reliability makes them a strong contender for anyone looking for comprehensive and dependable Medigap coverage.

Mutual of Omaha

If you’re looking for great value, Mutual of Omaha is a name you should know. They are another highly-rated provider in Texas and are particularly well-known for offering household premium discounts. If you and your spouse are both enrolling, this could lead to significant savings over time. While their premiums are often competitive from the start, these discounts make their plans even more attractive for budget-conscious individuals and couples. Mutual of Omaha has built a strong reputation for providing quality coverage without breaking the bank, making them a popular choice across the state.

State Farm and Wellabe

Two other excellent providers to consider are State Farm and Wellabe, each with its own unique strengths. State Farm earns high ratings for member satisfaction, which means they have a great track record when it comes to customer service. If you value having a supportive team to help you with claims and questions, they are a fantastic option. On the other hand, Wellabe is often recognized for its low prices. If your primary goal is to find the most affordable premium for your chosen plan, Wellabe is definitely worth a look.

Common Medigap Myths You Shouldn’t Believe

When you start researching Medigap, you’ll quickly find a lot of information—and some of it can be misleading. It’s easy to get tripped up by common misunderstandings that can lead to costly mistakes. Let’s clear the air and bust a few of the most persistent myths about Medigap plans in Texas. Understanding the facts will help you feel more confident as you compare your options and choose a plan that truly fits your needs. Getting this right from the start can save you time, money, and a lot of future headaches.

Medigap vs. Medicare Advantage: What’s the Difference?

One of the most common points of confusion is the difference between Medigap and Medicare Advantage. They are not the same thing, and you can’t have both. Think of it as choosing one of two paths. Medigap plans are supplemental insurance policies that work with Original Medicare (Part A and Part B) to help pay for out-of-pocket costs like deductibles and coinsurance.

Medicare Advantage (Part C), on the other hand, is an alternative to Original Medicare. These are private plans that bundle your Part A, Part B, and often Part D (prescription drug) benefits into a single plan. A Medicare supplement insurance guide will always clarify that Medigap only pairs with Original Medicare.

Myth: You Can Own Multiple Medigap Policies

You might think that if one Medigap policy is good, two must be better. However, this is a myth, and it’s actually illegal for an insurance company to sell you a Medigap policy if they know you already have one. You can only be enrolled in one Medigap plan at a time.

The reason is simple: Medigap plans are standardized. This means that a Plan G from one company offers the exact same basic benefits as a Plan G from any other company. Owning two of the same plan wouldn’t give you extra coverage; it would just mean you’re paying two separate premiums for the same set of benefits. The goal is to find the single best plan for your needs, not to collect multiple policies.

Don’t Miss Your Open Enrollment Window

A dangerous myth is the idea that you can buy a Medigap plan at any time without any issues. While you can apply whenever you want, the absolute best time to enroll is during your six-month Medigap Open Enrollment Period. This personal enrollment window starts on the first day of the month that you are both 65 or older and enrolled in Medicare Part B.

During this protected period, you have what are called guaranteed issue rights. This means insurance companies cannot deny you coverage or charge you more based on your health history. If you miss this window, you may have to go through medical underwriting, which means you could be denied a policy or face higher premiums due to pre-existing conditions.

Common Myths About Cost and Coverage

Many people believe that since Medigap plans are standardized, the price for a specific plan letter is the same everywhere. This is only half true. The coverage for a Plan G is identical no matter which company you buy it from. However, the price you pay for that same Plan G can vary significantly from one insurer to the next.

Insurance companies set their own premiums based on several factors, including your age, location within Texas, and tobacco use. Even though the benefits are the same, some companies are simply more competitive in certain areas or for certain age groups. This is why shopping around and comparing quotes from different providers is one of the most important steps in the process.

When Can You Enroll in a Texas Medigap Plan?

Timing is everything when buying a Medigap plan. There are specific windows when you have the right to buy any plan, regardless of your health. Missing these can make it harder and more expensive to get a policy later. Let’s walk through the key enrollment periods so you know exactly when to act.

Your One-Time Medigap Open Enrollment Period

Your Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are 65 or older and enrolled in Medicare Part B. During this time, insurance companies must sell you any Medigap plan they offer, and they cannot use your health history to charge you more or deny coverage. This is the absolute best time to buy a policy. Once this period is over, it’s gone for good, so it’s crucial to prepare for this enrollment window before it begins.

What Are Guaranteed Issue Rights?

If you miss your Open Enrollment Period, you may have another chance. Certain situations give you “guaranteed issue rights,” which means insurers must sell you specific Medigap plans without health questions. These rights are often triggered by life events, like losing employer health coverage after 65. You typically have 63 days from when your other coverage ends to use these rights. This is a critical deadline, so it’s wise to act quickly if you know your coverage is ending.

When Medical Underwriting Is Required

If you apply outside of a protected enrollment window, medical underwriting comes into play. This is when an insurance company reviews your health history to decide if they will sell you a policy and at what price. An insurer can legally charge you a higher premium or even deny your application based on your health. This is why enrolling during a protected period is so important—waiting could mean paying more or being unable to get a policy at all.

Do You Qualify for a Special Enrollment Period?

Special Enrollment Periods (SEPs) are circumstances that allow you to change your Medicare coverage outside of the usual times. Many situations that grant guaranteed issue rights are tied to a Special Enrollment Period. For example, if you delayed Part B due to employer coverage, you’ll get an SEP to sign up. Your six-month Medigap Open Enrollment Period then starts as soon as your Part B is active. Understanding SEPs is key to timing your Medigap enrollment perfectly.

How to Choose the Right Medigap Plan for You

Picking the right Medigap plan can feel like a huge decision, but you can break it down into a few manageable steps. It’s all about matching a plan to your specific health needs and budget. By taking a close look at your personal situation, shopping around for the best prices, comparing what each plan offers, and thinking about the future, you can find a policy that gives you peace of mind. Let’s walk through how to make a choice you feel confident about.

Assess Your Personal Healthcare Needs

First, take a moment to think about your health. Do you have chronic conditions that require regular doctor visits, or are you generally healthy? Consider your family’s health history and any medical procedures you might have planned. If you have Original Medicare and want to avoid unexpected medical bills from costs it doesn’t cover, a Medigap plan is a smart move. Making a simple list of your doctors, prescriptions, and how often you anticipate needing medical care will give you a clearer picture. This personal health inventory will help you see which level of coverage makes the most sense for you right now and in the years ahead.

Get Quotes from Different Insurers

Once you have an idea of the coverage you need, it’s time to shop around. Medigap plans are standardized by the government, which is great news for you. It means that a Plan G from one company has the exact same basic benefits as a Plan G from another. The only real difference is the price. Because of this, it’s so important to compare prices from different companies for the same plan type to find the best deal. Don’t just go with the first quote you get. Taking the time to gather a few quotes can save you a significant amount of money on your monthly premiums for identical coverage.

Compare Plan Benefits Side-by-Side

While a Plan G is always a Plan G, you still need to compare the different plan letters (like G vs. N) to see which one fits your needs. The federal government provides a helpful side-by-side comparison chart that makes this easy. Since all Medigap plans of the same type offer the same basic benefits no matter who sells them, you can focus your decision on price and the company’s reputation. Look into customer service reviews and financial stability ratings. A company that is easy to work with and has a history of reliability can be just as important as a low premium.

Think About Long-Term Value, Not Just Price

The cheapest plan today might not be the cheapest plan five years from now. When you select a Medigap plan, it’s wise to consider how premiums might change over time. Insurance companies use different methods to price their plans, which can affect future rate increases. Ask about a company’s rate increase history to get a sense of its stability. Some companies may offer a lower initial premium to attract new customers, only to implement larger increases later on. Focusing on long-term value and rate stability, not just the introductory price, will help you find a plan that remains affordable for years to come.

Which Medigap Plan Offers the Best Value?

When we talk about “value,” we’re not just talking about finding the cheapest plan. The best value in a Medigap plan is about finding that perfect balance between what you pay each month and the peace of mind you get in return. It’s a plan that fits your budget while protecting you from the kind of surprise medical bills that can derail your financial security. For some, value means paying a higher premium for near-complete coverage and predictable costs. For others, it means paying less each month and being comfortable with some out-of-pocket expenses if they need care.

The right answer is different for everyone because your health needs and financial situation are unique. To find the best value for you, it helps to compare some of the most popular options side-by-side. Let’s look at how two of the top plans stack up, whether a high-deductible plan makes sense, and how to find the right balance between what a plan covers and what it costs.

Plan G vs. Plan N: A Head-to-Head Comparison

Plan G and Plan N are two of the most popular choices for people new to Medicare, and for good reason. Plan G is often considered the best coverage option available, offering comprehensive benefits that cover nearly all of your out-of-pocket costs. Once you pay your annual Medicare Part B deductible, Plan G picks up the rest for Medicare-approved services. It’s a fantastic choice if you want predictable costs and minimal hassle.

Plan N is a great alternative if you’re looking for a lower monthly premium. In exchange for that lower premium, you agree to share some costs. With Plan N, you’ll have small copayments for certain doctor visits (up to $20) and emergency room visits (up to $50). It’s a smart trade-off for many people who want solid protection without the higher price tag of Plan G.

Is a High-Deductible Plan a Good Choice?

If you’re in good health and want to keep your monthly premiums as low as possible, a high-deductible plan might be worth considering. Both Plan G and Plan F are available in high-deductible versions. With this option, you pay a significantly lower monthly premium. In return, you agree to pay all of your Medicare out-of-pocket costs (like deductibles and coinsurance) up to a set amount each year.

Once you meet that annual deductible, your plan kicks in and covers 100% of your costs for the rest of the year. This can be a cost-effective choice if you don’t visit the doctor often and want to save on fixed expenses, while still having a safety net for a major health event.

Finding the Right Balance: Coverage vs. Cost

Here’s a critical piece of information: Medigap plan benefits are standardized by the government. That means a Plan G from one insurance company has the exact same medical benefits as a Plan G from another. However, the prices can vary significantly between companies for that identical coverage.

Insurance companies set their own premiums based on factors like your age, location, and when you enroll. This is why shopping around is so important. The key to finding the best value is to first decide which plan letter (like G or N) fits your healthcare needs, and then compare quotes from several different insurance companies to find the most competitive price for that specific plan. This ensures you’re not overpaying for the coverage you’ve chosen.

What to Know Before You Apply

You’ve done the research and are ready to apply for a Medigap plan. That’s great! Taking a few extra steps to prepare can make the application process go much more smoothly. Knowing what documents you need, when to apply, and who can help you will give you confidence as you move forward. Let’s walk through the key things to have in order before you fill out that application. This preparation ensures you can secure the right coverage without any last-minute stress or confusion.

Gather Your Required Documents

Before you start an application, it’s helpful to have a few key pieces of information handy. You’ll definitely need your Medicare card, which lists your Medicare number and the start dates for your Part A and Part B coverage. You will also need your Social Security number and date of birth. Having these details ready will save you from having to search for them later. If you’re working with an agent, they can confirm exactly what information the insurance company requires for their specific application, making the process even easier.

Why Work with a Licensed Insurance Agent?

You don’t have to figure this out alone. Working with a licensed insurance agent can simplify the entire process. An experienced agent can provide personalized advice, helping you compare plans and prices from several different companies to find the one that fits your needs and budget. Best of all, their services are typically free to you, as they are compensated by the insurance company you choose. They can answer your questions and make sure you understand all the details before you commit to a plan.

Your Application and Coverage Timeline

Timing is everything when it comes to Medigap. The best time to apply is during your one-time, 6-month Medigap Open Enrollment Period. This window automatically starts on the first day of the month that you are both 65 or older and enrolled in Medicare Part B. During this period, you have a guaranteed right to buy any Medigap plan sold in Texas, regardless of your health status. Insurance companies can’t deny you coverage or charge you more for pre-existing conditions if you apply during this time. Missing this window can make it much harder to get a plan later.

Avoid These Common Enrollment Mistakes

The biggest mistake you can make is missing your Medigap Open Enrollment Period. Once that 6-month window closes, insurance companies can use medical underwriting to decide whether to accept your application and how much to charge you. Another common misstep is feeling rushed into a decision. Take your time, ask questions, and make sure the agent and company you’re considering are properly licensed. The Texas Department of Insurance offers a helpful guide and resources for consumers. A good agent will never pressure you into buying a plan before you’re ready.

Where to Get Help with Your Medigap Plan

Trying to sort through Medigap plans on your own can feel like a monumental task. The good news is you don’t have to do it alone. Several reliable resources are available to help you understand your choices, compare plans, and feel confident in your decision. Whether you prefer to do your own research online, speak with a volunteer counselor, or work directly with an expert, there’s a path forward for you. Exploring these options can bring much-needed clarity and ensure you find a plan that truly fits your life.

Using the Medicare.gov Plan Finder

If you’re comfortable with online tools and want to start exploring on your own, the official Medicare.gov Plan Finder is an excellent resource. This tool allows you to enter your personal information, including your location and prescriptions, to see the Medigap options available in your area. It’s designed to help you compare different plans side-by-side, looking at everything from monthly premiums to specific benefits. While it won’t give you personalized advice, it’s a fantastic way to get a clear picture of the landscape and understand how different plans stack up based on coverage and estimated costs. It’s a great first step for anyone wanting to get familiar with their choices.

Get Free Help from Texas SHIP Counselors

Did you know Texas offers free, unbiased help with Medicare? The Texas Health Information, Counseling and Advocacy Program (SHIP) is a state-run service staffed by trained volunteers who can answer your questions about Medigap. These counselors are not affiliated with any insurance company, so their goal is simply to provide you with clear, impartial information. They can walk you through how Medigap works, help you compare different plans, and make sure you understand all your options. This is a wonderful resource if you’re looking for guidance from a neutral third party without any sales pressure.

Get Personalized Guidance from The Big 65

For those who want dedicated, one-on-one support, working with an experienced agent is often the best approach. At The Big 65, we specialize in helping people find the right Medigap plan for their unique situation. We take the time to understand your specific health needs, budget, and long-term goals. Instead of just showing you a list of plans, we provide personalized guidance to help you weigh the pros and cons of each option. We’ll answer all your questions and handle the details so you can feel secure in your choice. Working with us means having a knowledgeable partner by your side every step of the way.

Frequently Asked Questions

Why does the same Medigap plan have different prices from different companies? This is one of the most important things to understand. While the government standardizes the benefits of each plan letter, it does not regulate the price. A Plan G from Company A must offer the same medical coverage as a Plan G from Company B, but they are free to set their own monthly premiums. Companies calculate their rates based on factors like their business costs and the overall health of their customer pool, which is why you can see a wide range of prices for the exact same coverage.

Can I get a Medigap plan if I have a Medicare Advantage plan? No, you cannot have both at the same time. Medigap and Medicare Advantage are two completely different ways to receive your Medicare benefits. Medigap plans are designed to work alongside Original Medicare (Part A and Part B) to help pay for your share of the costs. Medicare Advantage plans are an alternative to Original Medicare, bundling all your benefits into a single private plan. You must choose one path or the other.

What happens if I miss my Medigap Open Enrollment Period? Missing your initial six-month Open Enrollment Period can make getting a plan more difficult and expensive. During that protected window, insurance companies cannot deny you coverage or charge you more because of your health history. If you apply after it ends, you will likely have to answer health questions. An insurer can then legally charge you a higher premium or even deny your application altogether based on pre-existing conditions.

How do I decide between Plan G and Plan N? Choosing between Plan G and Plan N often comes down to your preference for monthly costs versus out-of-pocket expenses. Plan G offers more comprehensive coverage, leaving you with very predictable costs after you meet your annual Part B deductible. Plan N typically has a lower monthly premium, but you will be responsible for small copayments for some doctor and ER visits. If you prefer a lower fixed monthly cost and don’t mind occasional small payments for services, Plan N is a great value.

Do Medigap plans cover things like dental, vision, or prescription drugs? Medigap plans are designed to fill the financial “gaps” in Original Medicare, not to add extra benefits. This means they help pay for your share of costs for services that Medicare already covers, like hospital deductibles and doctor coinsurance. They do not include coverage for routine dental or vision care, hearing aids, or prescription drugs. You will need to purchase a separate Medicare Part D plan for your prescription drug coverage.