Medicare Supplement

Medigap in Vermont for 2027: 14 Insurers and the Plans They Sell

BURLINGTON, Vt. — Vermonters shopping for a Medicare Supplement policy for 2027 have 14 insurers listed on Medicare.gov's Medigap policy search for the Burlington ZIP code 05401, together offering a range of federally standardized plan letters. Medigap is separate from Medicare Advantage and from Part D drug coverage, and the rules for buying it depend heavily on timing. Here is what Vermont readers should know as Annual Enrollment 2027 (October 15 – December 7, 2026) approaches.

What is Medigap and how is it different from Medicare Advantage in Vermont?

Medigap is private insurance that pays some of the out-of-pocket costs Original Medicare (Part A and Part B) leaves behind, such as coinsurance. Medicare Advantage (Part C), by contrast, is an alternative way to receive your Medicare benefits through a private plan, usually with its own network and often with drug coverage built in.

You cannot use a Medigap policy with a Medicare Advantage plan. Medigap works alongside Original Medicare, and because benefits for each lettered plan are standardized by the federal government, Plan G from one insurer covers the same federally defined items as Plan G from another. What differs is the premium, the company's service, and sometimes extras — details you can compare on the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.

Which Medigap insurers are listed in Vermont for 2027, and what plans do they sell?

Medicare.gov's Medigap policy search for ZIP code 05401 lists 14 insurers. What is actually offered to any one person can differ by ZIP code and by age, sex, and tobacco use, so always confirm with the insurer or on Medicare.gov.

The insurers listed, with the plan letters shown for each:

• AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
• AFLAC: A, F, G, N
• Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
• BlueCross BlueShield of Vermont: A, C, D, F, G, N
• Continental Life Insurance Company of Brentwood, Tennessee (Aetna): A, B, C, D, F, N
• Insurance Company of North America: A, F, G, G-HD, N
• Lumos Insurance: A, F, G, G-HD, N
• Medco Containment Life Insurance Company: A, F, F-HD, G, N
• Mutual of Omaha (Mutual of Omaha Insurance Company): A, B, C, D, F, F-HD, G, G-HD, N
• State Farm Mutual Automobile Insurance Company: A, C, D, F, G, N
• The Vermont Health Plan: A, C, D, F, G, N
• United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, N
• USAA Life Insurance Company: A, F, G, N
• Wisconsin Physicians Service Insurance Corporation: A, C, F, G, N

Across the list, the plan letters sold by at least one insurer are A, B, C, D, F, F-HD, G, G-HD, K, L, and N. Remember that Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

When is the Medigap Open Enrollment Period in Vermont and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that begins the first month you are both 65 or older and enrolled in Medicare Part B. During it, an insurer must sell you any Medigap policy it offers, cannot charge you more because of your health, and cannot refuse to cover a pre-existing condition after any applicable waiting period.

Outside that window, insurers in most states can use medical underwriting, which may mean a higher price or a denial. That is why federal guidance stresses this one-time period as the easiest time to buy. For specifics on how the rules apply to you, see medicare.gov or call 1-800-MEDICARE.

What are guaranteed-issue rights in Vermont if my Medicare Advantage plan is not returning in 2027?

Guaranteed-issue rights (also called "Medigap protections") are situations in which insurers must sell you certain Medigap policies regardless of your health. These include specific circumstances such as losing other coverage or when your Medicare Advantage plan leaves your area.

If your Medicare Advantage plan is not returning for 2027, you may qualify for a guaranteed-issue right to buy certain Medigap policies. The brief for this article does not include a state count of affected enrollees in Vermont; for the exact plans you can buy under this right, timeframes, and documentation needed, check medicare.gov or call 1-800-MEDICARE.

Does Medigap cover prescriptions in Vermont, or do I need a separate Part D plan?

Medigap sold today does not cover prescription drugs. If you want drug coverage, you enroll in a stand-alone Medicare Part D plan separately.

A few 2027 Part D numbers are set nationally: the annual out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums and formularies are set plan by plan and can be compared on the Medicare Plan Finder at medicare.gov during Annual Enrollment 2027, October 15 – December 7, 2026, with coverage taking effect January 1, 2027.

How should Vermonters compare Medigap policies for 2027?

Start by picking the lettered plan whose standardized benefits fit your situation, then compare prices and service among the insurers that sell that letter in your ZIP code. Because every Plan G, Plan N, and so on is federally standardized, the benefits inside a given letter do not vary from company to company.

Also ask each insurer how it prices policies (for example, by age), whether rates change over time, and about any household or payment discounts. Confirm current availability and pricing with the insurer directly or on the Medicare Plan Finder at medicare.gov; this article does not quote any premiums.

Where can Vermonters get free help with Medicare for 2027?

Medicare.gov is the official place to compare Medigap, Medicare Advantage, and Part D options for any Vermont ZIP code. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to ask questions, confirm enrollment windows, or request printed materials.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which can affect how much you receive each month even as you weigh coverage choices.