Medicare Supplement (Medigap) Plans
Fill the gaps in Original Medicare. Medigap plans help cover copayments, coinsurance, and deductibles — giving you predictable costs and freedom to see any Medicare-accepting doctor.
Why Choose Medicare Supplement?
Medigap plans offer unique advantages that give you peace of mind and financial predictability.
See Any Doctor
Visit any doctor or hospital in the U.S. that accepts Medicare patients — no network restrictions.
Predictable Costs
Know your costs upfront. Medigap covers most or all of your out-of-pocket expenses.
Guaranteed Renewable
Your plan can't be cancelled as long as you pay your premiums, regardless of health changes.
Travel Coverage
Many plans cover foreign travel emergencies — a benefit not included in Original Medicare.
Compare Medigap Plans at a Glance
All Medigap plans are standardized by Medicare. Here's what each plan covers.
| Benefit | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A Coinsurance & Hospital Costs | 50% | 75% | ||||||||
| Part B Coinsurance or Copayment | 50% | 75% | ** | |||||||
| Blood (First 3 Pints) | 50% | 75% | ||||||||
| Part A Hospice Care | 50% | 75% | ||||||||
| Skilled Nursing Facility | 50% | 75% | ||||||||
| Part A Deductible | 50% | 75% | 50% | |||||||
| Part B Deductible | ||||||||||
| Part B Excess Charges | ||||||||||
| Foreign Travel Emergency | 80% | 80% | 80% | 80% | 80% | 80% |
** Plan N pays 100% of Part B coinsurance except up to $20 copay for office visits and up to $50 copay for ER visits (waived if admitted).
Plan F is only available to those who became eligible for Medicare before January 1, 2020.
Most Popular Medigap Plans
Plan F
The most comprehensive Medigap plan available. Covers all gaps in Original Medicare, including the Part B deductible. Only available to those eligible for Medicare before 2020.
- 100% coverage of all Medicare gaps
- No out-of-pocket costs for covered services
- Foreign travel emergency coverage
Plan G
Nearly identical to Plan F but at a lower premium. The only difference is you pay the annual Part B deductible ($240). This is the most popular plan for new enrollees.
- Covers everything Plan F covers except Part B deductible
- Lower premiums than Plan F
- Foreign travel emergency coverage
Plan N
A cost-effective option with slightly lower premiums. You may pay small copays for office and ER visits, but overall costs remain very manageable.
- Lower monthly premiums
- Small copays for office visits (up to $20)
- Foreign travel emergency coverage
Featured Medicare Supplement Carrier
Jay is a licensed UnitedHealthcare Medicare Supplement agent — one of the most trusted Medigap carriers in the country.
AARP Medicare Supplement Insurance Plans from UnitedHealthcare
UnitedHealthcare, in partnership with AARP, is the nation's most popular Medicare Supplement (Medigap) carrier. Their plans are available to anyone with Medicare — you do not need to be an AARP member to enroll. UHC Medigap plans are accepted by any doctor or hospital nationwide that accepts Medicare, giving you the freedom to see any provider without referrals or network restrictions.
Nationwide Coverage
See any Medicare-accepting doctor or hospital in the US
Plans F, G & N Available
Most popular Medigap plans including high-deductible options
Predictable Costs
Fixed monthly premium with no surprise bills
AARP-Branded
Trusted brand backed by the nation's largest Medicare insurer
Household Discount
Save when two people in the same household enroll
No Network Restrictions
No referrals required, no HMO network limitations
UHC Medigap Plan Options
Plan G
Most popular — covers Part A deductible, coinsurance, and foreign travel emergency
Plan N
Lower premium with small copays for office/ER visits — great value for healthy seniors
High-Deductible G
Lowest premium option with a deductible before full coverage kicks in
Frequently Asked Questions
Find the Right Medigap Plan for You
Let Jay compare Medigap plans from top carriers in your area. Free, no-obligation consultation.
Important Notice (42 CFR 422.2267(e)(41)): We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or the Texas SHIP at 1-800-252-9240 to get information on all of your options. TTY: 711.
Federal Contracting Statement: Jay Gutierrez Insurance Agency, Inc. is a licensed and certified representative of Medicare Advantage organizations and stand-alone prescription drug plans. Each of the organizations represented has a Medicare contract. Enrollment in any plan depends on contract renewal.
Not affiliated with or endorsed by any government agency. Medicare has neither reviewed nor endorsed this information. Every year, Medicare evaluates plans based on a five-star rating system. Jay Gutierrez Insurance Agency, Inc. | Texas Department of Insurance License #1730203.