A Medicare Supplement or “Medigap” plan is a health insurance policy offered by private insurance companies to help cover some of the out-of-pocket costs associated with Original Medicare, such as copayments, coinsurance and deductibles. Medicare Supplement plans must follow federal and state laws. Insurance companies can offer only a “standardized” plan, identified in most states as plans A – D, F, G, and K – N. All plans offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. Medigap plans sold to people who are new to Medicare on or after January 1, 2020, aren’t allowed to cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. However, if you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy Plan C or Plan F. People new to Medicare on or after January 1, 2020, have the right to buy Plans D and G instead of Plans C and F.