Medicare Supplement Plan J (Medigap Plan J) is a discontinued Medigap plan. But if you already have it, you can keep your coverage.

Medicare Supplement Plan J was one of several Medigap plan options. Medigap plans help pay for out-of-pocket costs associated with original Medicare (parts A and B), like copays from doctors’ visits.

Medicare Supplement Plan J was discontinued for new enrollees after June 1, 2010. Anybody who already had the plan can keep it and still receive its benefits.

Keep reading to learn about Medigap Plan J coverage and what to do if you’re currently enrolled.

Medigap Plan J was one of several Medicare supplement plan options available to those eligible for Medicare. However, due to the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, you can no longer purchase this plan as of June 2010. If you bought this plan before that time, you may keep it for as long as the insurance company continues offering it.

If you became eligible for Medicare after June 2010, you are not eligible for Plan J. But a few current options may be similar to Plan J. Because Plan J was very comprehensive, the two most similar plans offered today include Plan G and Plan N.

For people who kept Medigap Plan J after it was no longer offered to new enrollees, the benefits include:

With changes to Medicare over the years, some of this coverage is now redundant. Hospice and preventive care are now covered by Part A and Part B, respectively.

Although Medigap Plan J had a prescription drug benefit that was unique at the time, there are now other options available, including:

  • Medicare Part D: This optional benefit is available for everyone who has Medicare through private insurance companies approved by Medicare. Since the cost of professionally administered prescription drugs is typically covered in Medicare Part B, Medicare Part D covers self-administered brand-name and generic prescription drugs.
  • Medicare Advantage (Part C): This option is offered through private insurance companies approved by Medicare. Medicare Advantage plans provide your Medicare Part A and Part B benefits, commonly offer prescription drug coverage, and often offer extra benefits not available through Medicare, such as vision, dental, and hearing.

Both Medicare Part D and Medicare Advantage plans are offered by Medicare-approved private insurance companies. Not only does coverage vary between plans, but the price does as well. What you pay can vary by:

  • monthly premiums, or the amount you pay for the coverage
  • yearly deductibles, or the amount you have to pay before the coverage starts
  • copayments/coinsurance, or your share of the price, if any, after your plan pays its share

You must have original Medicare (parts A and B) to qualify for Medicare prescription drug coverage.

In 2024, the annual deductible to pay for Medigap Plan J is $2,800. If your plan covers prescription drugs, it may also have a separate prescription drug deductible of $250 to cover each year.

Your Medigap policy also has a monthly premium. The exact amount can vary by individual policy. Insurance companies can set monthly premiums for their policies in a few different ways, so it’s important to know which type you have:

  • Community rated: Everyone who buys the policy pays the same monthly premium regardless of age.
  • Issue-age rated: Monthly premiums are tied to the age when you first purchased the policy, with younger buyers having lower premiums. Premiums don’t increase as you get older.
  • Attained-age rated: Monthly premiums are based on your current age. That means your premium will go up as you get older.

Contact your plan provider directly with any specific questions about your costs or how your plan is structured.

Even though Medigap Plan J is no longer sold, it’s still honored. So, if you have Medigap Plan J, you’re still covered.

If you still have a Medigap Plan J, you have the most coverage that you can buy. For example, it pays the Medicare Part B deductible, which new Medigap plans are no longer allowed to cover as of January 1, 2020.

Because some newer Medigap plans have different offerings, some people switch from Medigap Plan J to another Medigap plan offering the coverage they want for a lower premium. You may also find that Medicare Part D typically provides a more comprehensive prescription drug plan.

Medigap Plan J has not been available to new enrollees since June 1, 2010. But people who opted for Medigap Plan J and its comprehensive coverage before this time are able to keep it.

It might be worth exploring other Medigap plans offered each year, as your needs and budget may change over time.