Making the Switch: Transitioning from Medicare Advantage to Medigap – Is Plan G the New Plan C?

If you're considering transitioning from Medicare Advantage to a Medigap plan, you might have heard about Plan C. However, Medigap Plan C is no longer available to those who were newly eligible for Medicare on or after January 1, 2020. So, what’s the alternative? Enter Medigap Plan G, often considered the closest in comprehensive coverage to Plan C. In this article, we will guide you through the steps and considerations involved in making the switch and compare Plan C and Plan G.

Understanding Medicare Advantage and Medigap Plans

Medicare Advantage (Part C):

  • An all-in-one alternative to Original Medicare.
  • Combines Part A, Part B, and usually prescription drug coverage (Part D).
  • Often includes additional benefits like dental, vision, and hearing.
  • Usually has network restrictions.


Medigap Plans:

  • Supplemental insurance plans that cover various out-of-pocket costs such as copayments, coinsurance, and deductibles.
  • No network restrictions as long as the provider accepts Medicare.


Why Consider Making the Switch?

Here’s a chart to help you understand why some individuals consider transitioning from Medicare Advantage to a Medigap plan:

Reasons to Consider Switching


Desire for More Comprehensive Coverage

Medigap plans cover more out-of-pocket costs than Medicare Advantage.

Preference for No Network Restrictions

Medigap plans do not have network restrictions, unlike Medicare Advantage.

Changes in Health Needs

As health needs change, the comprehensive coverage of Medigap plans may become more appealing.


Medigap Plan C vs. Plan G:


Plan C

Plan G

Part A Coinsurance & hospital

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance

Skilled nursing facility care

Part A deductible

Part B deductible


Part B excess charges


Foreign travel emergency


The Transition Process: Step-by-Step

  1. Review Your Current Coverage: Understand the coverage and costs of your current Medicare Advantage plan.
  2. Research Medigap Plan G: Research the benefits and costs of Medigap Plan G.
  3. Consult an Expert: Speak with an independent broker or consult the Medicare & You Handbook for guidance.
  4. Apply for Medigap Plan G: Apply for Medigap Plan G during a Medigap Open Enrollment Period or Special Enrollment Period.
  5. Disenroll from Medicare Advantage: Once your Medigap Plan G is effective, disenroll from your Medicare Advantage plan.


Key Considerations



Medical Underwriting

May affect premiums or eligibility based on health status.

Waiting Periods

May apply before Medigap coverage begins.

Cost Differences

Consider premiums and out-of-pocket expenses.



Transitioning from Medicare Advantage to a Medigap plan involves careful consideration and planning. With Plan C no longer available to newly eligible Medicare recipients, Plan G is often considered a close alternative in terms of comprehensive coverage. Understanding the differences between Plan C and Plan G, consulting reputable sources like the Medicare & You Handbook, and speaking with an expert can help you make an informed decision.