Medicare Plans


2020 Changes to Medigap

MACRA is legislation that changes Medicare Supplement plans. The Medicare Access and CHIP Reauthorization Act (MACRA) is a law that will change Medicare Supplement plans in all states, which becomes effective January 1, 2020. MACRA is a federal law that will change who can buy Medigap Plans F, High F, and C. As of 2020 only beneficiaries that are not newly eligibles will be able to keep Plan F, High F and C.

What's new with Medigap?

Due to MACRA, on January 1, 2020:

Medicare Supplement plans with Part B deductible coverage (Plans C, F and high deductible F) cannot be purchased by "newly eligible" Medicare recipients. The following guaranteed issue plans will be accessible for "newly eligible" Medicare recipients: Plans D, G, and high deductible G (which is brand new!)

What is the meaning of “newly eligible” Medicare recipients?

People who are 65 years of age or become first eligible for Medicare because of age, disability or end-stage renal sickness on or after January 1, 2020 are considered "newly eligible". If you already have Medicare part A and B and are reading this in 2019, then you are NOT considered “newly eligible” and the MACRA rules do not apply to you.

How are present enrollees in Plans C, F, and High Deductible F influenced by these changes?

Current enrollees (those qualified for Medicare before January 1, 2020) with Plan C, F, or High Deductible F are able to keep their plan. What’s more, they can keep on purchasing Plans C, F, and High Deductible F after January 1, 2020. Current enrollees will likewise have the capacity to purchase the new Plan High Deductible G on or after January 1, 2020.

What will happen to Guaranteed Issue Medigap?

Medicare Supplement Plans D and G will be two of the guaranteed issue plans for "newly eligible" beneficiaries on or after January 1, 2020. As stated before, current enrollees can stay with their purchased Plans C, F, and High Deductible F. Even after 2020, People who don't fall inside the category of "newly eligible" will still have the capacity to buy Plans C, F, and High Deductible F for the first time as well.



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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Last Updated: 03/19/2024