Medicare Supplement Medigap Plans

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What is a Medicare Supplement plan?

A Medicare Supplement plan is also called a Medigap plan. That's because it helps fill in the gaps in Original Medicare coverage. Unlike a Medicare Advantage Plan, a Medigap policy isn't an alternative to Medicare Parts A and B. Instead, it adds to those benefits. Medigap plans typically come with higher premiums than Medicare Advantage Plans but may have lower out-of-pocket costs.

If you're enrolled in Original Medicare, you can choose a Medigap plan from a private insurer. Plan benefits work with any hospital or doctor that accepts Medicare.

Why choose Medicare Supplement Insurance?

This insurance offers the freedom to choose who provides your care and where you receive it.

Flexible Coverage

See any doctor who accepts Medicare nationwide. And you don't normally need a referral to visit a specialist.
Guaranteed Renewal

As long as you pay your premiums, your plan is guaranteed to renew — even if your health changes.²
Simpler Budgeting

Plans can help you manage the costs Medicare doesn't cover, including copayments, coinsurance and some deductibles. So, you'll be more confident in budgeting for health care expenses.

Compare Medicare Supplement plans.

While Medicare is split into parts, Medicare Supplement coverage varies by plan.

Return to our Medicare Options page to select a new state.

Change state

Scroll table sideways for additional info

Compare Medicare Supplement Plans
Features Features	Plan A**	Plan B	Plan C	Plan D	Plan F*	Plan G	Plan N
Medicare Part A coinsurance and hospital costs For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Medicare Part B coinsurance or copayment For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered **
Blood (first 3 pints) For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Hospice Care Coinsurance or Copayment For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Skilled nursing facility care coinsurance For Opens Popup	Not Covered	Not Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Medicare Part A Deductible For Opens Popup	Not Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Medicare Part B Deductible For Opens Popup	Not Covered	Not Covered	100 Percent Covered	Not Covered	100 Percent Covered	Not Covered	Not Covered
Medicare Part B Excess Charges For Opens Popup	Not Covered	Not Covered	Not Covered	Not Covered	100 Percent Covered	100 Percent Covered	Not Covered
Foreign Travel Emergency For Opens Popup	Not Covered	Not Covered	80% Covered	80% Covered	80% Covered	80% Covered	80% Covered

Plans C and F are only available to individuals who were Medicare eligible prior to Jan. 1, 2020.
Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.

How to get a Medicare Supplement plan

Though coverage among plan types is standard, premiums can vary between insurers. Be sure to review coverage and premium details before choosing a USAA plan.

1. Sign up for Medicare.

To be eligible for a plan, you need to be enrolled in Original Medicare. It's best to enroll in Medicare Parts A and B during your seven-month Initial Enrollment Period (IEP). To learn more about signing up for Original Medicare, you can visit medicare.gov.
2. Compare plans before you apply.

Reviewing coverage and costs online could help you find the plan you need. It's best to apply after getting Original Medicare and during the six-month enrollment period starting the first day of the month you turn 65. After this, your health history may be considered by insurers when you apply.
3. Add additional coverage.

For drug coverage, you may need to pair a stand-alone prescription drug plan with a Medigap policy. You can also add separate dental, vision or hearing plans to your policy.

Medicare Supplement FAQ

How does a Medicare Supplement plan work?

Should I compare Medicare Supplement plan costs?

What's the difference between the Medicare Initial Enrollment Period and the Medigap Open Enrollment Period?

Your Initial Enrollment Period (IEP) is when you're first eligible to sign up for Medicare Parts A and B. It spans seven months and starts three months before you turn 65 and includes your birthday month. Your IEP ends three months after you turn 65 — on the last day of that month.

The Medigap Open Enrollment Period refers to the six-month period when you're first eligible to get a Medigap plan. It starts the first day of the month you turn 65. To get a plan during this time, you must be enrolled in Medicare Parts A and B.

Is my medical history reviewed when I apply for a Medigap plan?

Why choose a Medicare Supplement Insurance plan?

Medicare Supplement plans may help with the costs that Medicare leaves you with, like copayments, coinsurance and deductibles. Medicare Supplement Insurance costs vary by plan. They typically come with higher premiums than Medicare Advantage but may have lower out-of-pocket costs. You can compare costs when you choose a plan.

Keep Your Doctors

You may see any doctor that accepts Medicare under a Medicare Supplement plan.
Get Wide Coverage

You may use your plan with Medicare providers anywhere in the country. Some plans even offer emergency coverage overseas.
Guarantee Renewal

Medicare Supplement Insurance plans are renewable, regardless of your health condition, as long as you pay your premiums.

Medicare Supplement Insurance doesn't cover prescription drugs. Consider pairing your Medicare Supplement plan with a Prescription Drug Plan.

Need more information to help you choose the right plan?

For TTY device, dial 711.

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Compare Medicare Supplement Plans

While Medicare is split into parts, Medicare Supplement coverage varies by plan.

Return to our Medicare Options page to select a new state.

Change State

Scroll table sideways for additional info

Compare Medicare Supplement Plans
Features Features	Plan A**	Plan B	Plan C*	Plan D	Plan F*	Plan G**	Plan N
Medicare Part A For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Medicare Part B For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered ******
Blood Transfusions (Up to 3 Pints) For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Hospice Care Coinsurance or Copayment For Opens Popup	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Skilled Nursing Facility For Opens Popup	Not Covered	Not Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Medicare Part A Deductible For Opens Popup	Not Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered	100 Percent Covered
Medicare Part B Deductible For Opens Popup	Not Covered	Not Covered	100 Percent Covered	Not Covered	100 Percent Covered	Not Covered	Not Covered
Medicare Part B Excess Charges For Opens Popup	Not Covered	Not Covered	Not Covered	Not Covered	100 Percent Covered	100 Percent Covered	Not Covered
Foreign Travel Emergency For Opens Popup	Not Covered	Not Covered	80% Covered	80% Covered	80% Covered	80% Covered	80% Covered

If you become eligible for Medicare on or after Jan. 1, 2020, the Medicare Supplement plans available to you won't cover the Part B deductible. This means that Plans C and F will not be available to you. If you bought one of these plans before Jan. 1, 2020, you'll be able to keep it. If you were eligible for Medicare before that date but did not enroll, you may be able to buy one of these plans.
Plan G is only available by phone in Texas.

Call a licensed agent at 800-515-8687
Under 65: In Oregon, Medicare Supplement Plans A, F, G and N are available to qualified individuals under age 65 who are eligible for Medicare by reason of disability and/or end stage renal disease.
Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that do not result in an inpatient admission.

How to Use Medicare Supplement

Let's say you go to the doctor for Medicare-covered services.
You'd pay any copay at the time of service, unless you have a plan with no copays.
The bill is then sent to Medicare to pay its share.
We'll pay some or all of what's left, depending on your plan.

How to Get a Medicare Supplement Plan

Enroll in Medicare

You'll get a confirmation letter from the government with your Medicare effective date, which must include Parts A and B.
Apply for Medicare Supplement

You'll take this step when you sign up during your Medicare Initial Enrollment Period.
Get started Applying for Medicare Supplement
Consider More Coverage

You may consider other coverage, like prescription drug, dental and vision.

Add to Your Coverage

Medicare Supplement plans don't cover prescription drugs, vision care or dental care.

Go to Prescription Drugs page

Prescription Drugs
(Part D)
Go to Vision Insurance page

Vision Insurance
Go to Dental Insurance page

Dental Insurance

Note 1 In the state of Washington, Agent is referred to as Producer.

Medicare Supplement insurance, USAA Life Insurance Company, and USAA Life General Agency are not connected with or endorsed by the U.S. government or the federal Medicare program.

THIS IS A SOLICITATION FOR INSURANCE. A RESPONSE AND/OR YOUR CALL MAY GENERATE COMMUNICATIONS BY A LICENSED INSURANCE AGENT, INSURANCE PRODUCER, INSURANCE PROVIDER OR INSURANCE COMPANY.

Submission of your information does NOT affect your current enrollment, nor will it enroll you in a Medicare Supplement plan or other Medicare plan.

We believe the websites and resources we used to gather this information are reliable; however, we cannot guarantee the accuracy or timeliness of the information.

Rates are reviewed periodically and are subject to change in your state.

Medicare Supplement insurance provided by USAA Life Insurance Company, San Antonio, TX. Not available in MA, MN, NJ, NY and WI.

A Medicare Supplement policy/plan only covers one person. Plans may vary by state.

Medicare Supplement policies have exclusions, limitations, reductions of benefits and terms under which the policy may be continued in force or discontinued. Unless specifically stated otherwise, the policy does not cover or pay for any Hospital, Skilled Nursing Facility or other health care institution, health care, treatment, service or supply or any portion of a service or supply that is not a Medicare Eligible Expense. The policy will not duplicate any benefit paid by Medicare or cover any charge that a person is not legally obligated to pay or that would not be made in the absence of insurance. For costs and complete details of the coverage, call or write USAA Life Insurance Company at 9800 Fredericksburg Rd., San Antonio, TX 78288. You may also call us at 800-515-8687.

USAA complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex.

UNDER AGE 65: In some states, Medicare Supplement Insurance plans may be available to qualified individuals under age 65 who are eligible for Medicare by reason of disability and/or end stage renal disease.

An Outline of Coverage is available upon request and shall be provided at time of application.

The advertised policies are guaranteed renewable for life subject to the payment of the renewal premium. We have the right to change the renewal premiums for this policy in accordance with our table of premium rates applicable to all policies of this form and class. For costs and further details of the coverage and terms under which a policy may be continued in force or discontinued, contact USAA Life Insurance Company.

To be eligible for Medicare Supplement, you must have Medicare Part A and Medicare Part B to enroll in this plan. You must continue to pay your Medicare Part B premium each month, unless it is otherwise paid for under Medicaid or by another party.

Benefits and premiums under this policy may be suspended for up to 24 months if you become entitled to benefits under Medicaid. You must request that your policy be suspended within 90 days of becoming entitled to Medicaid. If you lose (are no longer entitled to) benefits from Medicaid, this policy can be reinstated if you request reinstatement within 90 days of the loss of such benefits and pay the required premium.

FOREIGN TRAVEL - NOT COVERED BY MEDICARE - Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.

Right to Return Policy - If you find that you are not satisfied with your policy, you may return it to USAA Life Insurance Company, 9800 Fredericksburg Road, San Antonio, Texas 78288. If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all of your payments.

Medicare Supplement plans sold on or after Jan. 1, 2020: Plans C and F may not be available to all applicants after Jan. 1, 2020. Only applicants first eligible for Medicare before Jan. 1, 2020 may purchase plans C and F.

In California, Language Assistance is available. Learn More

In Florida: An individual cannot be denied any Medicare Supplement policy sold by an issuer if the application is submitted during the “Open Enrollment Period” (the six-month period beginning with the first month in which an individual who is 65 years or older first enrolls for benefits under Medicare Part B). (1) Our Medicare Supplement plans are also offered to individuals under age 65 who are entitled to Medicare benefits because of disability or end-stage renal disease. These individuals are also entitled to open enrollment and cannot be denied any Medicare Supplement policy sold by an issuer if the application is submitted during the “Open Enrollment Period.” Additionally, they have a second “Open Enrollment Period” when they turn age 65; (2) An individual who is 65 years of age or older, or under 65 years of age and eligible for Medicare by reason of a disability or end-stage renal disease, who is enrolled in Medicare Part B, cannot be denied any Medicare Supplement policy if they apply during the two-month period following termination of coverage under a group health insurance policy. The advertised policies have exclusions, reductions and limitations. Unless specifically stated otherwise, this policy does not cover or consider for payment any service or supply or any portion of a service or supply that is not a Medicare Eligible Expense, nor will this policy duplicate any benefits paid by Medicare. Provided premiums are paid and there is no misrepresentation on the application, the advertised policies are guaranteed renewable for life. We have the right to change the renewal premiums for this policy in accordance with our table of premium rates applicable to all policies of this form and class. For costs and further details of the coverage and terms under which a policy may be continued in force or discontinued, contact your agent or USAA Life Insurance Company.

Florida Medicare Supplement Policies Advertised: MSM93848FL 06-10 (Plan A), MSM93849FL 06-10 (Plan F), MSM98372FL 06-15 (Plan N) and MSM98995FL 09-18 (Plan G).

In Idaho, the advertised policies include Limitations and Exclusions. Policies do not cover or pay for any of the following:
• Any hospital, skilled nursing facility or other health care institution confinement that is not covered under Medicare or for which Medicare makes no payment, except as may otherwise be provided in the policy.
• Any health care treatment, service or supply that is not covered under Medicare or for which Medicare makes no payment, except as may otherwise be provided in the policy.
• Any benefits which duplicate benefits provided by Medicare.
• Any charge that a person is not legally obligated to pay or that would not be made in the absence of insurance.

Idaho Medicare Supplement Policies Advertised: MS138761ID 08-21 (Plan A), MS138762ID 08-21 (Plan F), MS138763ID 08-21 (Plan G), MS138764ID 08-21 (Plan N).

In Kentucky, Medicare Supplement Plans Sold on or after Jan. 1, 2020: Every Company must make Plan A and either Plan C or F available for those eligible for Medicare prior to Jan. 1, 2020 and either Plan D or G available for those eligible for Medicare on or after Jan. 1, 2020.

Louisiana Medicare Supplement Policies Advertised: MSM93594LA 06-10 (Plan A), MSM93595LA 06-10 (Plan F), MSM97596LA 08-12 (Plan N) and MSM98951LA 08-18 (Plan G).

Maryland law requires that certain Medicare Supplement plans be made available to individuals who are under age 65 and are eligible for Medicare due to disability.

Missouri Medicare Supplement Policies Advertised: MSM93823MO 06-10 (Plan A), MSM93824MO 06-10 (Plan F), MSM97599MO 08-12 (Plan N) and MSM98717MO 11-17 (Plan G).

North Dakota Medicare Supplement Policies Advertised: MSM91984ST 06-10 (Plan A), MSM91985ST 06-10 (Plan F), MSM97572ST 08-12 (Plan N) and MSM98668ST 11-17 (Plan G).

In Ohio, the advertised policies have exclusions, reductions and limitations. Unless specifically stated otherwise, this policy does not cover or consider for payment any service or supply or any portion of a service or supply that is not a Medicare Eligible Expense, nor will this policy duplicate any benefits paid by Medicare. Provided premiums are paid and there is no misrepresentation on the application, the advertised policies are guaranteed renewable for life. We have the right to change the renewal premiums for this policy in accordance with our table of premium rates applicable to all policies of this form and class. For costs and further details of the coverage and terms under which a policy may be continued in force or discontinued, contact your agent or USAA Life Insurance Company.

Ohio Medicare Supplement Policies Advertised: MSM91984ST 06-10 (Plan A), MSM91985ST 06-10 (Plan F), MSM97572ST 08-12 (Plan N) and MSM98724OH 11-17 (Plan G).

Oklahoma Medicare Supplement Policies Advertised: MSM93547OK 05-21 (Plan A), MSM93548OK 05-21 (Plan F), MSM97598OK 05-21 (Plan N) and MSM98886OK 05-21 (Plan G).

Oregon Medicare Supplement Policies Advertised: MSM91984ST 06-10 (Plan A), MSM91985ST 06-10 (Plan F), MSM97658OR 10-12 (Plan N) and MSM98719OR 11-17 (Plan G).

In South Dakota, premiums or rates may increase for other reasons such as an increase applicable to all persons covered under this type of policy or certificate in this state.

In Tennessee, premiums or rates increase annually with increasing age and may increase for other reasons such as an increase applicable to all persons covered under this type of policy or certificate in this state.

Tennessee Medicare Supplement Policies Advertised: MSM93869TN 06-10 (Plan A), MSM93870TN 06-10 (Plan F), MSM97590TN 08-12 (Plan N) and MSM98666TN 11-17 (Plan G).

In Texas, no individual can be denied any Medicare Supplement policy sold by any Medicare Supplement issuer if the application is submitted during the six-month period beginning on the first day of the month in which Medicare Part B becomes effective. If you are on Medicare under age 65, you will also have a six-month open enrollment period beginning the month you turn age 65.

Texas Medicare Supplement Policies Advertised: MSM93151TX 06-10 (Plan A), MSM93152TX 06-10 (Plan F), MSM97557TX 08-12 (Plan N) and MSM98664TX 11-17 (Plan G).

EMB285631STD1-0922

USAA Life General Agency

270240 [08/21]WPE270240OR2-0420270240 [08/21]

Medicare Supplement (MEDIGAP)

Medicare Supplement Insurance (MEDIGAP)

Medigap plans in California offer peace of mind.

Have questions but don't want to wait on hold?

What is a Medicare Supplement plan?

Why choose Medicare Supplement Insurance?

Flexible Coverage

Guaranteed Renewal

Simpler Budgeting

Compare Medicare Supplement plans.

How to get a Medicare Supplement plan

1. Sign up for Medicare.

2. Compare plans before you apply.

3. Add additional coverage.

Medicare Supplement FAQ

Find a Medigap plan that fits you well.

For help, call a licensed insurance agent at 800-531-9164.call a licensed insurance agent at 800-531-9164.¹

Medicare Supplement (Medigap)

Add to your Medicare coverage.

Medicare Supplement (Medigap)

Add to your Medicare coverage.

Why choose a Medicare Supplement Insurance plan?

Keep Your Doctors

Get Wide Coverage

Guarantee Renewal

Compare Medicare Supplement Plans

Start shopping for a Medicare Supplement.

How to Use Medicare Supplement

How to Get a Medicare Supplement Plan

Enroll in Medicare

Apply for Medicare Supplement

Consider More Coverage

Add to Your Coverage

Prescription Drugs
(Part D)

Vision Insurance

Dental Insurance