Compare the Best Medigap Plans in Alaska for 2024

Alaska residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in Alaska. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.

This page highlights the top Alaska Medicare Supplement and insurance companies for 2024.

Discover the Top 3 Best Medigap Plans in Alaska for Complete Protection

Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Alaska. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.

Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Alaska.

Medigap Plan F in Alaska

Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.

Required Benefits of Plan F in Alaska

Medigap Plan G in Alaska

Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.

Required Benefits of Plan G in Alaska

Medigap Plan N in Alaska

Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.

Required Benefits of Plan N in Alaska

Average Costs for Medigap Plans in Alaska

In Alaska, the cost of a plan varies depending on factors like the plan type, your age, gender, and tobacco use. Here’s an overview of the typical monthly premiums for the most popular supplemental plans in the state:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

Factors That Impact Medigap Plan Costs in Alaska

Several factors play a role in determining the cost of Medicare Supplements in Alaska. These include:

• Age: As you get older, your premiums may rise.
• Gender: Premium rates can vary by gender, with women often paying slightly less.
• Tobacco Use: If you use tobacco, expect to pay higher premiums.
• Location: Your location within Alaska can also influence your premium, as costs differ by region.

Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.

Compare All Medicare Supplement Plans in Alaska

If you want to see how all Medicare Supplement Insurance plans sold in Alaska stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Alaska and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Alaska

Medigap enrollment in Alaska is governed by specific periods that determine when you can sign up for coverage. Your eligibility to enroll and the cost of your plan can depend on the timing of your enrollment. Below, we explain the key enrollment periods:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period spans from three months before your 65th birthday to three months after. During this window, you can choose any Medigap plan without facing pre-existing condition exclusions. Learn more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The six-month Medigap open enrollment period begins when you turn 65 and enroll in Medicare Part B. You can sign up for any Medigap plan during this time without medical underwriting. Read more about the Medigap Open Enrollment Period or explore tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): If you experience certain life events, such as losing other health coverage, you might qualify for a Special Enrollment Period to enroll in a Medigap plan. Learn more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

If you're ready to get Medicare Supplement coverage, here are the steps to get started:

1. Review Your Options: Take a look at the Medigap plans available in Alaska and find the one that fits your healthcare needs and budget.
2. Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
4. Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.

For more details on Medigap enrollment, visit our Medigap Enrollment Guide.

FAQs about Medigap Plans in Alaska

How does Medigap differ from Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.

Can I change Medigap plans after enrolling?

Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.

Do Medigap plans cover prescriptions?

No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.

What costs can I expect with Medigap plans?

In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023