I need a supplemental health plan.

What do I need to know before choosing a Medigap plan?

A Medigap, or Medicare Supplement Insurance policy is health insurance sold by a private insurance company to fill the “gaps” in the Original Medicare Plan coverage.

Insurance companies can only sell “standardized” Medigap policies. These Medigap policies must all have the same benefits so you can compare them easily.  Generally, when you buy a Medigap policy you,

  • Must have Medicare Part A and Part B.
  • Will have to pay the monthly Medicare Part B premium.
  • Will also pay a premium to the Medigap insurance company. 

A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you must each buy separate Medigap policies.

The following Medigap plans are offered through our affiliate, CareFirst BlueCross BlueShield. *

In Maryland (offered through CareFirst of Maryland Inc.):

  • MediGap-65 Plan A
  • MediGap-65 Plan B
  • MediGap-65 Plan C
  • MediGap-65 Plan F
  • MediGap-65 High-Deductible Plan F

In D.C. and Virginia (offered through Group Hospitalization and Medical Services Inc.):

  • Supplement-65 Plan A
  • Supplement-65 Plan C
  • Supplement-65 Plan F

For additional information about Medigap plans or to apply, please visit www.carefirst.com.

If you are within 3 years of your Medicare Part B effective date, you may be eligible for an Early Enrollment Discount. Please call our Product Specialists for more information at 1-866-241-6442.


* Neither CareFirst BlueCross BlueShield nor its agents represent, work for, or receive compensation from any federal, state, or local government agency.  CareFirst BlueCross BlueShield is a private not-for-profit health service plan incorporated under the laws of the State of Maryland.


SRWEB (1/08)
Additional Information
  • Medigap policies help pay your share of the costs of Medicare-covered services (co-insurance, copayments, or deductibles).
  • If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will both pay their shares of covered health care costs.
  • For more information on Medigap plans, please visit our affiliated site,
    www.carefirst.com.