Macra Medicare Supplement plans are designed to fill gaps in Original Medicare coverage, offering additional benefits to help with out-of-pocket costs.
These plans are standardized, meaning that the same letter plan will offer the same benefits, regardless of the insurance company.
Macra Medicare Supplement plans are not the same as Medicare Advantage plans, which are different types of coverage that replace Original Medicare.
They are designed to work alongside Original Medicare, not replace it.
Worth a look: Medigap G
Medigap and Medicare Plans
Medigap plans are supplemental insurance plans that help cover out-of-pocket costs, such as deductibles, copayments, and coinsurance.
Private health insurance companies administer Medigap plans, which can be a big relief for those with Original Medicare.
Medigap plans primarily help cover costs not covered by Original Medicare, including deductibles, copayments, and coinsurance.
Before MACRA, some Medigap plans also covered the Part B deductible, which in 2025 is $257.
Plans that included coverage of the Part B deductible included Medicare Supplement Plan F, Plan C, and Plan D.
Take a look at this: Does Medicare Supplement Cover Deductible
Medigap Plan Impacts
Medicare Advantage plans, Medicare Part B, and Part D prescription drug plans are all affected by MACRA, in addition to Medigap plans.
MACRA primarily affects Medigap plans, which are supplemental insurance plans that help cover out-of-pocket costs like deductibles, copayments, and coinsurance.
Private health insurance companies administer Medigap plans, which offer a range of 10 different plans with varying levels of coverage.
Medigap plans typically include coverage for the Part A deductible, the Part A copayment, the Part B coinsurance, and emergency healthcare costs while traveling abroad.
If you had Medigap Plan C or Plan F before January 1, 2020, you can keep it and continue to receive coverage.
However, if you became eligible for Medicare after January 1, 2020, you may need to look for alternative Medigap plans that provide similar coverage to Plan C and Plan F.
The most similar Medigap plans are Medigap plans D, G, and N.
You can look for a Medigap plan on the Medicare website.
Medigap plans that included coverage of the Part B deductible before MACRA included plans that covered the 2025 Part B deductible of $257.
Related reading: Fehb and Medicare Part D
Are You Prepared for Medicare Changes?
Medicare is undergoing significant changes, and it's essential to understand how these changes will affect you.
MACRA, the Medicare Access and CHIP Reauthorization Act, has primarily affected Medigap plans, which are supplemental insurance plans that help cover out-of-pocket costs.
Private health insurance companies administer Medigap plans, and they can help cover deductibles, copayments, and coinsurance.
Some Medigap plans used to cover the Part B deductible, but this is no longer the case.
The Part B deductible in 2025 is $257, a significant amount that can add up quickly.
Medigap plans that included coverage of the Part B deductible are no longer available, so it's crucial to review your current plan to understand its coverage.
Explore further: Medicare Supplement Part C
Frequently Asked Questions
How does MACRA affect plans C and F?
MACRA stopped the sale of Medigap Plans C, F, and high-deductible Plan F to new Medicare beneficiaries in 2020, affecting their access to Medicare Part B deductible coverage. This change impacts those turning 65 or enrolling in Medicare for the first time after January 1, 2020.
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