Medicare Supplement Insurance (Medigap) helps Vermont seniors and eligible disabled residents manage healthcare expenses not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. Vermont residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Vermont
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 17,304 |
| 2 | N | 12,261 |
| 3 | C | 9,908 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but cannot be purchased today.
Did you know? Vermont is one of the few states where Plan N ranks ahead of Plan G in enrollment. With more than 12,000 participants, Vermonters are showing a stronger preference for lower-premium, cost-sharing coverage compared to many other states.
How Medigap Pricing Works in Vermont
Premiums for Medigap plans may rise differently depending on the pricing method used by insurers. In Vermont, plans may be structured under one of three rating methods:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you buy the policy and may rise with inflation, not age.
- Community rated – All beneficiaries pay the same premium, regardless of age.
Under-65 Eligibility in Vermont
Vermont requires insurers to make all Medigap policies available to beneficiaries under 65 who qualify due to disability, with the exception of those diagnosed with end-stage renal disease (ESRD). This gives disabled beneficiaries in Vermont broader access to supplemental coverage than in many other states.
Choosing a Medigap Plan in Vermont
Although Plan F continues to lead in enrollment, Plan N has gained unusual traction in Vermont, offering lower premiums with some out-of-pocket cost-sharing. Plan C also remains more popular here than in most states, though it is closed to new beneficiaries. Every Medigap plan can be used nationwide with any provider who accepts Medicare, ensuring Vermont residents have reliable coverage both locally and while traveling.
To compare premiums and review available plan options in your area, visit our Medigap rate comparison page.