Medicare Supplement Plans by State

Medicare Supplement Plans are standardized and are offered in all states except Minnesota, Massachussetts and Wisconsin. Medigap plans in those states are different. However, each state has different regulations regarding Medicare Supplement Insurance. Below is a list of Medicare Supplement plans by state. Click on your state to learn more.

Insurance companies decide which Medigap plans to sell. However, state laws may affect which plans they offer. They don’t have to offer every Medigap plan. Plans offered could be different in each state. They must offer Plan A. They must also offer Plan F or Plan C.

States have different rules regarding people who are under 65. Some states don’t offer Medigap plans for people under 65. While other states limit the number of plans offered.

Look for Medicare Supplement Plans by State

States that require insurers to offer at least 1 Medigap plan to those under age 65

Arkansas – People under 65 have a six month Open Enrollment window when they get Part B.

Maryland – People under 65 have a six month Open Enrollment window when they get Part B. In 2020, there are 50 insurance companies offering Medigap plans in Maryland.

New Jersey – People under 65 have a six month Open Enrollment window when they get Part B.

North Carolina – People under 65 have a six month Open Enrollment window when they get Part B.

Oklahoma – People under 65 have a six month Open Enrollment window when they get Part B.

Texas – People under 65 have a six month Open Enrollment window when they get Part B.

Michigan – Year round guaranteed issue for Medigap plans A and G for people under 65.

Indiana – People under 65 have a six month Open Enrollment window when they get Part B.

States that make all plans guaranteed issue

Colorado – People under 65 have a six month Open Enrollment window when they get Part B. Also, Colorado will offer a special enrollment period for Medigap enrollees with Plans F or C who want to switch to Plans G or D.

Florida – People under 65 have a six month Open Enrollment window when they get Part B. Rates are higher for people under 65.

Georgia – People under 65 have a six month Open Enrollment window when they get Part B. Most Medigap plans in Georgia use Issue Age rating. People under 65 can be charged higher rates.

Idaho – People under 65 have a six month Open Enrollment window when they get Part B.

Illinois – People under 65 have a six month Open Enrollment window when they get Part B.

Kansas – People under 65 have a six month Open Enrollment window when they get Part B.

Louisiana – People under 65 have a six month Open Enrollment window when they get Part B.

Maine – People under 65 have a six month Open Enrollment window when they get Part B.

Missouri – People under 65 have a six month Open Enrollment window when they get Part B.

Nebraska – People under 65 have a six month Open Enrollment window when they get Part B.

New York – Medigap enrollment is available year round without medical underwriting.

Oregon – People under 65 have a six month Open Enrollment window when they get Part B.

Pennsylvania – People under 65 have a six month Open Enrollment window when they get Part B.

South Dakota – People under 65 have a six month Open Enrollment window when they get Part B.

Tennessee – People under 65 have a six month Open Enrollment window when they get Part B.

Vermont – People under 65 have a six month Open Enrollment window when they get Part B.

Virginia – People under 65 have a six month Open Enrollment window when they get Part B.

States with no guaranteed issue for people under 65

Arizona – Only one company sells Medigap plans for people under 65.

Nevada – Insurers don’t have to offer Medigap plans for people under 65.

Ohio – Insurers don’t have to offer Medigap plans for people under 65.

States that have no coverage requirement for insurers, but some coverage is available

Iowa – Insurers are not required to offer Medigap plans to people under 65.

New Mexico – Insurers are not required to offer plans to people under 65.

South Carolina – Insurers don’t have to offer Medigap plans for people under 65.

Utah – Insurers don’t have to offer Medigap plans for people under 65.

West Virginia – Medigap plans are not offered for people under 65.

Wyoming – Only two insurance companies offer Medigap plans for people under 65.

Please visit Medicare.gov for more information.