If I have Medigap or secondary insurance, does it cover my Medicare Part A and Part B deductibles?

Question

Lynn C Shurtleff · Accepted Answer

This will depend on which Medigap plan you have. If you have a plan F, yes they will be covered. If you have a plan G, the Part B deductible will not be covered but Part A will be. Other plans vary as well.

Answered by Lynn C Shurtleff on April 26, 2026

Broker Licensed in TN, AR, CO & 6 other states

Answered by Lynn C Shurtleff Medicare Insurance Agent

Jason Denniston · Answer

Medicare supplement plans are designed to help cover the gaps in Parts A and B, including deductibles. That said, not every plan covers both, especially the Part B deductible on newer plans. It really depends on which letter plan you have, so it’s worth taking with a broker who can walk through the details with you.

Answered by Jason Denniston on April 26, 2026

Broker Licensed in IN, CO, FL & 10 other states

Answered by Jason Denniston Medicare Insurance Agent

Dino Pappadis · Answer

Part B deductible is no longer covered by any Medigap plans (unless it was a grandfathered plan such as plan F).
Currently Part A deductible is covered unless you are enrolled in a High Deductible plan

Duane Everding · Answer

This depends on which Medigap or Medicare Supplement plan you enrolled in.  For example, Plan G requires you to pay your Part B deductible.

Joel Hill · Answer

It depends on what type of coverage you have.

If you have a Medicare Supplement (Medigap) plan, most of them will cover your Part A hospital deductible. When it comes to the Part B deductible, only certain older plans like Plan F or Plan C cover it. If you became eligible for Medicare after 2020, your plan will not cover the Part B deductible. For example, Plan G covers everything except that Part B deductible.

If you just have secondary insurance, like from an employer or retirement plan, it may cover some or all of your deductibles, but every plan is different so you would need to check the details of that specific coverage.

The simple way to think about it is this: most Medicare Supplement plans cover the big costs, but you may still have a small out-of-pocket amount depending on your plan.

Shauneen Sullivan · Answer

If you have a Medigap policy in addition to your Original Medicare Parts A & B then you will have coverage for the Medicare Part A deductible but possibly not the Part B deductible. The Part B deductible in 2026 is $283. The most popular Medigap plans G & N do not cover the Part B deductible. However if you got on Medicare prior to January 1, 2021, the you can opt for a Plan F that covers the Part B deductible as well as the Part A deductible.

Answered by Shauneen Sullivan on May 11, 2026

Agent Licensed in FL, AZ, GA & 9 other states

Answered by Shauneen Sullivan Medicare Insurance Agent

Brian Sanet · Answer

Except for plan A It will cover your part  A deductible regardless regardless of which plan you have, however it will only cover 75% with p;lan L and 50% with plans K and M.

The part B deductible is only covered in plan C and plan F if you bought  F  berfore 2020

Julie Kovacevich · Answer

That's an excellent question - and honestly, one of the main reasons it's so valuable to work with someone like me who specializes in Medicare plans and benefits. The short answer is that some plans help cover Medicare Part A and Part B deductibles, while others do not. I'd be happy to help you review your options and find the right answer for your specific situation.

Answered by Julie Kovacevich on April 24, 2026

Broker Licensed in NV, AZ, CA & 6 other states

Answered by Julie Kovacevich Medicare Insurance Agent

David Ion · Answer

No you are responsible for your deductibles. The Medigap/Supplemental plan covers the 20% not paid directly by Medicare after your deductible is met.

Lori Crivelli · Answer

Each Medigap plan covers differently. Depending on the plan you elect you may or may not have Part A deductibles covered. Part B deductibles are not covered with a Medigap policy unless you have Plan F. Without know the secondary insurance this cannot be answered.

Answered by Lori Crivelli on April 27, 2026

Broker Licensed in CA, AZ, FL & 6 other states

Answered by Lori Crivelli Medicare Insurance Agent

Clarence Davis · Answer

Depending on what plan you have, it possibly could cover your deductibles. It's important to review your plan.

Jack Havice · Answer

It depends on the Medigap or secondary insurance policy you are with. Plan F for people on medicare prior to January 1st, 2020 covers all deductibles, while plan G doesn't cover the Part B deductible.

Collin McCoy · Answer

That depends on what type of Medicare Plan you have, is it a Medigap Plan or a Medicare Advantage Plan, I would need more information to give an accurate answer.

If I have Medigap or secondary insurance, does it cover my Medicare Part A and Part B deductibles?

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