What is Medicare Supplement Insurance?

Medicare Supplement Insurance (Medigap) is extra insurance that you can purchase from a private health insurance company. Its purpose is to help cover your share of out-of-pocket costs in Original Medicare. These costs include copayments, coinsurance, and deductibles. Here are some key points about Medigap:
  1. Coverage: Medigap policies fill the gaps left by Original Medicare. When you have a Medigap policy, Medicare pays its share of the approved amounts for covered health care costs, and then your Medigap policy covers its share.
  2. Different from Medicare Advantage: Medigap is distinct from a Medicare Advantage Plan. While Medigap focuses on cost-sharing, Medicare Advantage Plans provide an alternative way to receive Medicare coverage beyond Original Medicare.
  3. Standardized Policies: Medigap policies are standardized across the country. They are identified by letters (Plans A–D, F, G, and K–N). All standardized policies offer the same basic benefits, regardless of the insurance company you choose.
  4. Plan Availability: Some plans (E, H, I, and J) are no longer sold, but if you already have one, you can generally keep it. Additionally, since January 1, 2020, Plans C and F are not available to new Medicare beneficiaries. However, you can consider Plans D or G instead.

​Remember that Medigap policies are designed to work alongside Original Medicare. If you need more detailed information, you can visit the official Medicare website

Important Things to Know About Medicare Supplement Coverage

New Hampshire Medicare Supplement (Medigap) & Medicare Advantage Guidance
Considering a switch from Medicare Advantage to Medigap? We’re here to help you time it right. If you currently have a Medicare Advantage Plan, you may be eligible for a Medigap policy—but you’ll need to disenroll from your Advantage Plan before your Medigap coverage can begin. We’ll guide you through the ideal transition windows to avoid gaps in coverage.

💰 Medigap Premiums
With a Medigap plan, you’ll pay a monthly premium to a private insurance company, in addition to your standard Medicare Part B premium. We’ll help you compare options to find a plan that fits your budget and coverage needs.

👥 Individual vs. Couple Coverage
Medigap policies are issued per person. If both you and your spouse want coverage, you’ll each need your own policy. Some insurers offer household discounts—ask us about available savings if someone else in your home is covered.

🔒 Guaranteed Renewable Coverage
All standardized Medigap plans are guaranteed renewable. Even if your health changes, your coverage stays in place as long as you continue paying your premium. Insurance companies cannot cancel your policy due to health conditions.

📊 Issue-Age Rating
​What It Means for YouMOST Medigap plans in New Hampshire use issue-age rating, which means your premium is based on your age when you first enroll—and it won’t increase just because you get older. While premiums may still rise due to inflation or other factors, your age at the time of purchase locks in your rate class. This can make early enrollment a smart move for long-term savings.


LEARN MORE ABOUT NH MEDIGAP PLAN G  FOR 2026

​​To learn more about NH Medicare Supplement Insurers who offer attractive rates and coverage see our 2026 NH Medicare Supplement Review Here.

Contact us to learn more about the right Medicare Supplement Insurance coverage for you.

Contact Us About Medicare 
Supplement Insurance:

CLICK HERE TO REQUEST NH MEDICARE SUPPLEMENT QUOTE 

(603) 882-2909
375 Main St. Suite 100
Nashua, NH 03060
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Want More Information about Medicare Supplement Plans in NH visit our resources below:

Review of 5 Leading Medicare Supplement Plans in NH

See FAQ Here

Learn why the Supplement Plan G is so popular in NH