Medicare Supplement by State

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Find Medicare Supplement Insurance Plans by State

Medicare Supplement insurance is standardized across most states, but there are some differences among states. For example, some states let you get Medicare Supplement plans before age 65, if you qualify for Medicare. Massachusetts, Minnesota, and Wisconsin have their own standardized plans. Click on your state to find out more.

If you have many doctor visits throughout the year, or you have a health condition that may require hospitalization, you might want to look into Medicare Supplement (Medigap) insurance.

Medicare Supplement plans are designed to help pay the out-of-pocket costs of Medicare Part A and Part B. For example, a Medicare Supplement plan might pay your Part A and/or Part B annual deductible, your Part B coinsurance amount, and more.

In most states, there are up to 10 standardized Medicare Supplement plans named with letters, like Medicare Supplement Plan M. Each plan of the same name includes the same standard set of benefits no matter where you buy it. For example, if you buy Medicare Supplement Plan M from company ABC in Florida, it will include the same standard benefits as a Plan M from company XYZ in Texas. But they might not cost the same – premiums can vary among health insurance companies.

Here’s an example of how a Medicare Supplement plan could work for you. Suppose you buy Medicare Supplement Plan C. Although you do pay a monthly premium for the plan, it typically covers:

  • Your Medicare Part A deductible
  • Your Medicare Part B deductible
  • Your coinsurance for skilled nursing care
  • Your Part B coinsurance or copayments
  • Your Part A hospital costs and coinsurance if you’re in the hospital for up to 365 additional days after Medicare benefits are used up
  • Emergency medical care when you’re outside the U.S. (up to 80% of approved costs, up to plan limits)

Some Medicare Supplement plans include extra benefits beyond the standard coverage. Massachusetts, Minnesota, and Wisconsin have their own standardized plans.

Want to explore and compare Medicare Supplement plans in your state? Just click on your state in the map on this page, or click one of the links below. Please note that states colored gray in the map won’t display specific information, but you can still enter your zip code in the box on this page and see a list of plans in your area.

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