Medicare Supplement

Medigap Plan Letters, Explained: An Orem Guide

OREM, Utah — Original Medicare (Part A and Part B) covers a lot, but it doesn't cover everything. After Medicare pays its share, you're still on the hook for deductibles, coinsurance, and copays — and there's no built-in yearly cap on those out-of-pocket costs.

Why Medigap exists in the first place

That's the gap Medicare Supplement Insurance, better known as Medigap, is designed to fill. Sold by private insurance companies, a Medigap policy helps pay some of the costs Original Medicare leaves behind. It works alongside Medicare, not instead of it.

Medigap doesn't cover prescription drugs (that's what Part D is for), and it doesn't work with Medicare Advantage plans. It's built to pair with Original Medicare.

The letters aren't grades — they're standardized packages

Here's the part that trips people up. Medigap plans are labeled with letters: A, B, C, D, F, G, K, L, M, and N. Those letters aren't rankings. They're standardized benefit packages set by federal law.

That means Plan G from one insurance company covers the exact same things as Plan G from another insurance company. Same for Plan N, Plan K, and so on. What can differ is the price each insurer charges and the customer service you get — but the benefits inside each lettered plan are identical.

This standardization is a consumer protection. It lets you shop apples to apples. If two carriers both sell Plan G in Utah, the coverage is the same; only the premium and the company change.

What each letter generally covers

Each letter offers a different mix of benefits. Some plans, like Plan G, cover most gaps in Original Medicare after you pay the Part B deductible. Others, like Plans K and L, share costs with you up to a yearly out-of-pocket limit, which usually means lower premiums but more cost-sharing when you use care.

A few key things to know:

• Plans C and F are only available to people who became eligible for Medicare before January 1, 2020. If you turned 65 after that date, those two are off the table for you.
• Plan G has become a popular choice for newer enrollees because it covers a similar set of benefits to Plan F, minus the Part B deductible.
• Plan N typically has lower premiums than Plan G but asks you to pay some copays for office and ER visits.
• High-deductible versions of Plan G and Plan F exist, with lower premiums and a higher deductible you meet before the plan pays.

You can see the full benefit chart on Medicare.gov's Medigap page. It's the clearest side-by-side comparison out there.

The enrollment window most people don't realize matters

This is the part where a small timing mistake can cost you for years.

When you first enroll in Part B at age 65 or older, you get a 6-month Medigap Open Enrollment Period. During that window, insurance companies must sell you any Medigap policy they offer at their best available rate, regardless of your health history.

Once that 6-month window closes, most insurers can use medical underwriting. That means they can charge you more, or turn you down, based on your health. A few states have extra protections, but Utah is not a guaranteed-issue state outside of specific situations, so the timing of that first enrollment really matters here.

If you're approaching 65 in Orem, mark your calendar. And if you're already past that window, you can still apply — you'll just likely go through health questions.

How Medigap fits with the rest of Medicare

Medigap only works with Original Medicare. If you're on a Medicare Advantage plan, you can't also use a Medigap policy — and it's actually illegal for someone to sell you one while you're on Advantage, unless you're switching back to Original Medicare.

Because Medigap doesn't include drug coverage, most people who choose this path also enroll in a standalone Part D prescription drug plan. Orem is in Utah County, where multiple standalone Part D plans are available each year. In 2026, Part D includes a $2,100 annual out-of-pocket cap on covered drugs and a maximum deductible of $615, and the old "donut hole" coverage gap has been eliminated as of 2025.

If drug costs hit hard in any single month, the Medicare Prescription Payment Plan lets you spread those costs across the calendar year instead of paying it all at once at the pharmacy.

Common mistakes to avoid

A few things worth double-checking before you sign anything:

1. Don't assume the letters are ranked. Plan G isn't "better" than Plan A — it just covers more, and you pay more for that. 2. Don't skip price shopping. Since benefits are identical within a letter, premium differences between carriers are the whole ballgame. 3. Ask how the insurer prices premiums. Some use "community-rated," some "issue-age," and some "attained-age." That affects how your premium changes as you get older. 4. Watch the enrollment timing. Missing your 6-month Medigap Open Enrollment window can mean higher costs or denial later.