Medigap
Medicare Supplement (Medigap) Plans in Wyoming & Utah
Pair Original Medicare with a Medigap policy to fill deductibles, coinsurance, and copays — and see any doctor that accepts Medicare, nationwide.
Medigap: the short answer
- What it is
- A Medicare Supplement (Medigap) policy helps pay costs Original Medicare leaves, like deductibles and coinsurance. It works only with Original Medicare, not with a Medicare Advantage plan.
- Plans are standardized
- Each lettered plan (G, N and so on) has the same benefits from every insurer that sells it. Premiums are what differ, so comparing companies for the same letter is mostly a price comparison.
- When to buy
- Your 6-month Medigap Open Enrollment Period starts the first month you have Part B and are 65 or older. After it, insurers can usually ask health questions and may decline you.
- What it doesn't cover
- Medigap policies sold today don't include prescription drug coverage, so most people pair one with a separate Part D plan. Each policy covers one person; spouses need their own.
Official sources:Medicare.gov: Medigap basicsMedicare.gov: when to buy Medigap
(Parts A & B) leaves gaps — deductibles, , and copays that can add up fast. A Medicare Supplement policy, also called Medigap, fills those gaps so your out-of-pocket costs are predictable and often very low. Plans are standardized by letter (Plan G, Plan N, etc.) — so we compare price across the carriers we represent in your state.
Why Medigap
Freedom and predictability
See Any Doctor
No networks. Any doctor or hospital that accepts Medicare is available to you — nationwide.
Predictable Costs
Higher monthly , very low out-of-pocket when you need care. Great for budget planning.
Guaranteed Renewable
As long as you pay premiums, your policy cannot be cancelled due to health issues.
Easiest at 65
During your 6-month Medigap Open Enrollment window, insurers generally can't turn you down or charge more because of your health.
Plan Comparison
Compare Medigap plan letters
Benefits are standardized by federal law — Plan G from any carrier covers the same things. We shop the price.
| Plan | Premium | Part A Deductible | Part B Deductible | Part B Excess | Skilled Nursing | Foreign Travel |
|---|---|---|---|---|---|---|
G Plan G Popular | $$ | — | 80% | |||
N Plan N Popular | $ | — | — | 80% | ||
F Plan F | $$$ | 80% | ||||
A Plan A | $ | — | — | — | — | — |
D Plan D | $$ | — | — | 80% | ||
K Plan K | $ | 50% | — | — | 50% | — |
✓ = Fully covered by plan | — = Not covered | Benefit details may vary; consult an advisor for specifics.
Our Recommendations
Which plan is right for you?
Plan G
Most popular plan. Covers nearly everything after Part B deductible.
Plan N
Lower premium with small copays (up to $20 for some office visits, up to $50 for an ER visit that doesn't lead to admission).
Plan D
Similar to G without excess charge coverage. Lower premium than G.
Why Plan G or N?
For most people turning 65 today, Plan G provides the most comprehensive coverage at a competitive premium, while Plan N offers significant premium savings with minimal copays for healthy beneficiaries. We'll run the real numbers for your situation — comparing the carriers we represent in Wyoming and Utah.
Why it matters
What Medigap caps for you, visualized
With Medigap Plan G, your annual exposure drops to essentially just the Part B deductible.
Who caps your yearly spending?
Only Medicare Advantage and Medigap put a ceiling on your annual exposure
No limit
Original Medicare alone
No annual out-of-pocket cap — 20% coinsurance has no ceiling
Capped
Medicare Advantage
Every plan sets an annual in-network limit — the amount varies by plan and carrier
$283
Original Medicare + Medigap Plan G
Effectively just the 2026 Part B deductible
| Path | Annual out-of-pocket ceiling |
|---|---|
| Original Medicare alone | No limit — No annual out-of-pocket cap — 20% coinsurance has no ceiling |
| Medicare Advantage | Capped — Every plan sets an annual in-network limit — the amount varies by plan and carrier |
| Original Medicare + Medigap Plan G | $283 — Effectively just the 2026 Part B deductible |
Source: CMS: Medicare Advantage plans are required to set an annual in-network out-of-pocket maximum (the amount varies by plan); 2026 Part B deductible. Medigap Plan G covers Part A/B cost-sharing after the Part B deductible.
For education only — amounts change annually; confirm current figures before making a decision.
Part B annual deductible, 2016–2026
What you pay before Part B coverage kicks in
| Year | Deductible |
|---|---|
| 2016 | $166 |
| 2017 | $183 |
| 2018 | $183 |
| 2019 | $185 |
| 2020 | $198 |
| 2021 | $203 |
| 2022 | $233 |
| 2023 | $226 |
| 2024 | $240 |
| 2025 | $257 |
| 2026 | $283 |
Source: CMS — annual Medicare Parts A & B Premiums and Deductibles fact sheets (2016–2026).
For education only — amounts change annually; confirm current figures before making a decision.
The Medigap Open Enrollment Window
You have a 6-month Medigap Open Enrollment Period starting when you're both 65+ and enrolled in Part B. During this window, insurance companies cannot deny you coverage or charge more based on pre-existing conditions. Outside this window, most states allow medical underwriting — meaning you could be denied or pay more. Timing your enrollment right is critical. Let us help you navigate it.
Content reviewed against 2026 plan-year figures. Dollar amounts change annually — we'll confirm the current numbers in your consultation.
Free Guides
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Plain-language guides from our free resource library — no email required to read.
Compare Medigap rates
Same standardized benefits, different prices: we compare the carriers we represent in Wyoming and Utah for your plan letter, at no cost to you.