Changes to Medigap in 2020 … What are They?

changes to Medigap 2020

Medigap plans supplement Original Medicare to help you pay for deductibles, copays, and other costs. But there are changes coming to Medigap starting in 2020.

No New Plans C or F in 2020

Due to provisions in the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015, no new Medigap plans C or F will be offered to newly-eligible Medicare beneficiaries starting in 2020. One of the purposes of the MACRA Act is to ensure doctors get paid fairly for serving Medicare patients. As of 2020, Medigap Plans will no longer be able to cover Part B deductibles (currently $183 per year). Medigap plans will still be able to cover Part A deductibles.

The reason behind the elimination of Plans C and F is to save Medicare money. As part of the MACRA Act, Congress is trying to control costs by reducing Medicare claims. The idea is that people with Plans C and F are currently going to the doctor more often because they don’t have a deductible, and hence are overusing Medicare. Since Plans C and F are the only two Medigap plans that cover all deductibles, they are the ones being eliminated. 



Good News for Those Who Already Have a Medigap Plan C or F

But there’s good news. If you joined Medicare prior to 2020 and if you already have a Medigap Plan C or F, you can still keep it after 2020. You will also be able to shop for and pick up or change companies for your Medicare supplement Plan F or C after 2020, but only if you already have the plan, you qualify medically, and you make a change during a specified enrollment period.

For those who join (or are eligible for) Medicare Part A after 2020, the best plan for you if this is the case might be a Medigap Plan G, which will be available with no medical underwriting requirements starting January 1, 2020. A new high-deductible Plan G will be created Plan G covers most everything that Plan F does except for the Part B deductible. Plan N is also a popular plan. To see a chart comparing all the Medigap plans, click here.

To find a Medigap plan available in your area, click here, and enter your zip code.

Related Links

Medigap Plans Supplement Original Medicare

Know Your Guaranteed Issue Rights for Medigap

VIDEO: Medicare Advantage vs. Medigap

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