As a result of federal legistlation, individuals who are newly eligible for Medicare on or after January 1, 2020 will not be able to purchase Medigap Plan C or Plan F (including the Plan F high deductible option). This is because after January 1, 2020, this law prevents 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 (see What Costs Do Medigaps Cover?).
This law also applies to the three states (Massachusetts, Minnesota, and Wisconsin) that operate their own Medigap systems (see How Do Medigaps Work in Massachusetts, Minnesota, and Wisconsin?). People new to Medicare in those states will not be 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.
If you are eligible for Medicare before January 1, 2020, you will still be able to 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 (see When Are the Protected Times to Buy a Medigap?). (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 newly eligible for Medicare on or after January 1, 2020, you will not be able to 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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