Medicare Supplement

Medigap in Gilbert: which plan letters an Arizona shopper can still buy today

Shopping for a Medicare Supplement plan in Gilbert can feel like reading an eye chart — Plan A, Plan B, Plan D, Plan G, Plan N, and a few more. The good news: those letters are federal, so a Plan G sold in Gilbert covers the same core benefits as a Plan G sold anywhere else in Arizona. What changes from one company to the next is the price and the service, not the benefits inside the letter.

The plan letters you can buy in Arizona

Medigap plans are standardized by the federal government (except in Massachusetts, Minnesota and Wisconsin, which use their own systems). That means every insurer's Plan G, for example, covers the same list of gaps in Original Medicare — the Part A coinsurance, the Part B coinsurance, the first three pints of blood, hospice cost-sharing, and so on.

In Arizona, someone becoming eligible for Medicare today can shop from these letters:

• Plan A
• Plan B
• Plan D
• Plan G
• High-deductible Plan G
• Plan K
• Plan L
• Plan M
• Plan N

Plans C and F are still around, but only for people who were eligible for Medicare before January 1, 2020. If you were already enrolled or eligible before that date, you can keep or buy them; if not, they're off the menu.

How Medigap fits with Original Medicare and Part D

Medigap is a companion to Original Medicare, not a replacement. You keep paying your Part B premium, Medicare pays its share of a covered service first, and your Medigap plan picks up some or all of what's left, depending on the letter.

A few things Medigap does not do:

• It does not work with a Medicare Advantage plan. You have to be on Original Medicare to use it.
• It does not include prescription drug coverage. Most people in Gilbert who choose Medigap also enroll in a stand-alone Part D drug plan.
• It does not usually cover routine dental, vision or hearing.

For 2026, Part D has some meaningful updates worth knowing before you pair it with a Medigap plan: the out-of-pocket cap on covered drugs is $2,100, the maximum deductible is $615, and the old "donut hole" coverage gap is gone — replaced with a simpler three-phase design. There's also an optional Medicare Prescription Payment Plan that lets you spread your drug costs across the year in monthly installments.

If your income is above $109,000 as a single filer (2026 figures), you may owe an IRMAA surcharge on Part B and Part D.

The state rules that shape your choice in Gilbert

Gilbert is in Maricopa County, and Arizona regulates the Medigap market for the whole state. Two rules matter most:

Your Medigap Open Enrollment Period. This is a one-time, six-month window that starts the month you're 65 or older and enrolled in Part B. During it, any insurer selling Medigap in Arizona has to sell you any plan they offer at their best available rate, and they can't turn you down or charge you more because of health history. This window is created by federal law and it's the same in every state.

After that window, health underwriting usually applies. Outside your Open Enrollment Period — or a federal guaranteed-issue situation, like losing other coverage — insurers in Arizona can generally ask health questions and decide whether to offer you a policy and at what price. Some states have added extra rights (birthday rules, annual switch windows). Arizona's specific rules can change, so confirm what applies to you with the Arizona Department of Insurance and Financial Institutions or your local SHIP counselor before you assume you can switch freely.

Same letter, different price: how to compare

Because the benefits inside each letter are set by federal law, two Plan Gs sold in Gilbert cover the same things. What differs is:

• The monthly premium.
• How the insurer prices the plan (community-rated, issue-age-rated, or attained-age-rated — this affects how your premium changes as you get older).
• Any household or payment discounts.
• Customer service, claims handling, and how long the company has sold Medigap in Arizona.

That's why the smart move is to compare several quotes for the same letter, not to assume a "better" company sells a better Plan G.

Where to find the insurers selling Medigap in your ZIP code

We're not listing specific companies here, because insurer lineups change and pricing is personal. Three neutral sources will show you who's selling what in Gilbert:

• Medicare.gov Medigap policy search. Enter your ZIP code to see every insurer selling each plan letter in your area, with sample premium ranges.
• The Arizona Department of Insurance and Financial Institutions. The department publishes a Medigap rate guide that lists licensed insurers.
• Arizona SHIP (State Health Insurance Assistance Program). Free, unbiased counseling by phone or in person. They don't sell anything.

The table on this page lists plan-letter options available to people newly eligible today.