The Best Medicare Supplement (Medigap) Plans in Alaska

Christian Worstell
In this article...
  • Read our Medicare Supplement Insurance review and find out which Medigap plans in Alaska pay for Part A and B deductibles, coinsurance, foreign travel and other Medicare costs.

Even when you have Medicare, you must pay for certain costs out of your pocket. About 19% of Medicare beneficiaries in Alaska are enrolled in a Medicare Supplement Insurance plan to offset expenses such as Part A and B deductibles, coinsurance and copays.1

Commonly called Medigap, these insurance plans are sold through private companies and help pay for some costs you're responsible for. For example, if you have Medicare, Part A hospital insurance doesn't kick in until you reach your Part A deductible. However, if you join a Medigap plan that covers this expense, your private insurer will pay for some or all of the deductible when you're admitted to a hospital for an inpatient stay.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Alaska Medicare Supplement Plans?

There are 10 types of Medigap plans sold in Alaska, each identified by a letter of the alphabet. Plans within the same letter category cover the same kinds of benefits, so you can more easily compare costs.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

No matter which Medigap plan you choose in Alaska, you're covered for the following:

  • Part A hospital coinsurance (100%)
  • Part A hospice care coinsurance (up to 100%)
  • Part B coinsurance/copays (up to 100%)
  • First three pints of blood (100%)

Additional Medigap benefits depend on the plan you choose. These include the excess fees a physician charges above the Medicare-approved amount (Plans F and G) and emergency foreign travel (Plans C, D, F, G, M and N).

Medigap and the Part B Deductible

Plans C and F both cover the Part B deductible, but are only available to those who became eligible for Medicare before January 1, 2020. Medicare Supplement plans no longer pay for the Part B deductible for those who became eligible for Medicare on or after January 1, 2020.

If you don't qualify for Plans C and F for this reason, but want similar benefits, you can consider Plans G and N. 

  • Plan G covers the same benefits as Plan F but doesn't include the Part B deductible
  • Plan N covers the same benefits as Plan C but doesn't include the Part B deductible. Similar to Plan C, it pays 100% of the Part B coinsurance, but there may be a copay for some physician visits or an emergency room visit when you're not admitted to the hospital as an inpatient.  

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in an Alaska Medigap Plan?

You can join any Medigap plan sold in Alaska during your six-month Medigap Open Enrollment Period. This is a one-time window that begins the month you're 65 or older and enrolled in Medicare Part B

It's important to mark your calendar as this is the optimal time to join Medigap. Insurance companies are legally required to sell you a Medigap policy during your Medigap Open Enrollment Period, even if you have or had a medical condition. You can't be charged differently based on your health. 

There are a few other times outside of your Medigap Open Enrollment Period where you enjoy the same guaranteed issue rights. These are primarily related to changes to your existing health coverage that are beyond your control. For example: 

  • You no longer have Medicare Advantage because you moved out the plan's service area or the insurer is no longer providing coverage
  • Your insurance provider is bankrupt, has broken Medicare rules, or has misled you in some way
  • You returned to Original Medicare after trying Medicare Advantage for less than a year 

If you miss your Medigap Open Enrollment Period, or don't qualify for guaranteed issue rights, then you may be denied coverage or charged higher premiums.

Once you're enrolled in a Medigap plan, it's guaranteed renewable as long as you pay your premiums. 

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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