Medigap Plan B
Review Plan B benefits, including the Part A deductible.
Plan B benefit schedule
Plan B includes Plan A’s common core plus the full Part A hospital deductible. The same standardized letter has the same basic benefits among companies in most states. Massachusetts, Minnesota and Wisconsin standardize differently; confirm the policy offered in your state.
Official source: Medicare: Medigap plan benefits ↗ · Medicare & You 2027, Medigap section (2026 chart) ↗
Costs this letter leaves open
Plan B does not include skilled nursing facility coinsurance, Part B deductible, Part B excess charges, and foreign-travel emergencies. A Medigap policy pays only for its listed share of Medicare-covered services; the presence of a policy does not make an otherwise excluded service eligible. Review the chart row by row before quoting a monthly premium.
Official source: Medicare: Medigap plan benefits ↗ · Medicare: Medigap coverage ↗
The decision point for Plan B
Plan B adds payment of the Part A hospital deductible to the Plan A core. That is the deductible per benefit period, not the yearly Part B deductible. Compare the premium difference with the chance and cost of a covered hospital stay.
Official source: Medicare: Medigap plan benefits ↗ · Medicare: 2026 costs ↗
Timing and eligibility
Before comparing Plan B quotations, mark the first month you had Part B at age 65 or older. That starts a six-month federal Medigap purchase window. Afterward, a new Plan B policy can depend on health underwriting unless you have a guaranteed-issue or stronger state right. Preserve notices if you are losing another policy.
Official source: Medicare: Buying Medigap ↗
Quote and enrollment checks
Request the premium for Plan B in your ZIP code from each available insurer, with its rating method, household discounts, projected age increases and effective date. Part B premium remains payable; newly sold Medigap coverage does not supply Part D drugs, so price a separate drug plan when needed. Verify providers accept Medicare rather than treating a Medigap company as an Advantage network.
Official source: Medicare: Medigap costs ↗ · Medicare: How Medigap works ↗ · Medicare: Compare plans ↗