Which Medigap Plan Is Right for Me?

How Medigap plans are standardized

Medicare Supplement plans are sold by private insurers but standardized by the federal government into lettered plans (A, B, D, G, K, L, M, N, and others). A Plan G from one carrier covers the same benefits as a Plan G from another — the difference is the premium, the carrier's reputation, and rate-increase history, not the coverage itself.

Plans C and F are no longer available to people who became newly eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to buy one of those plans.

The two most common choices today

• Plan G: Covers nearly all Medicare cost-sharing except the annual Part B deductible ($283 in 2026). Popular because of its broad coverage relative to its premium.
• Plan N: Similar to Plan G but with small copays for some doctor and ER visits, usually in exchange for a lower monthly premium.

Plans K, L, and M offer lower premiums with higher cost-sharing, and can make sense for people comfortable with more out-of-pocket exposure in exchange for a lower monthly bill.

What Medigap does not cover

Medigap plans do not include prescription drug coverage, dental, vision, or hearing. You'll need a standalone Part D plan alongside any Medigap policy.

See how Part D works →

Nebraska's enrollment rules in 2026

Your strongest position to buy any Medigap plan — without health questions or denial — is your 6-month Medigap Open Enrollment Period, which starts when you're 65 or older and enrolled in Part B. Outside that window (and outside a few federally protected situations, like losing employer coverage or leaving a Medicare Advantage plan within your first year), Nebraska insurers can use medical underwriting to decline coverage or charge more based on your health history.