Who Is Eligible to Purchase Medigap Plan C or Plan F?

As a result of federal legislation, individuals who were newly eligible for Medicare on or after January 1, 2020, cannot purchase Medigap Plan C or Plan F (including the Plan F high deductible option). This is because, after January 1, 2020, this law prevented individuals new to Medicare from purchasing Medigaps that pay for the Part B deductible ($185 in 2019). Both Plan C and Plan F cover the Part B deductible.

This law also applies to the three states (Massachusetts, Minnesota, and Wisconsin) that operate their own Medigap systems. People new to Medicare in those states after January 1, 2020, are not allowed to purchase Medigaps that pay for the Part B deductible.

Eligible for Medicare before January 1, 2020
These Medigap changes only affect individuals who are newly eligible for Medicare in 2020 and after.

f you were eligible for Medicare before January 1, 2020, you can still purchase Plan C or Plan F. If you were eligible for Medicare before this time but you did not enroll, you will be able to purchase Plan C or Plan F as long as you are within your Medigap open enrollment period or have a guaranteed issue right once you enroll in Original Medicare. (Remember that only those with Original Medicare can purchase a Medigap. Medigaps do not work with Medicare Advantage.)

If you currently have Medigap Plan C or Plan F, you can continue to renew it from insurers in your state. As always, premiums for Medigaps can change from year to year, and Medigap issuers may choose to discontinue plan offerings. Your right to switch plans if your premiums increase depends on your state’s laws. If your Medigap is terminated, you will have a guaranteed issue period.

Eligible for Medicare on or after January 1, 2020
If you are or were newly eligible for Medicare on or after January 1, 2020, you cannot purchase Plan C or Plan F. However, Plan D and Plan G currently provide coverage for all the same out-of-pocket costs, except for the Part B deductible coverage.

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Return to: Medicare 2021

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This content was created and copyrighted by the Medicare Rights Center ©2020. Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities. These materials are presented here with support from YourMedicare.com and may not be distributed, modified or edited without Medicare Rights’ consent.