Medicare Supplement Plan J expired on May 31, 2010. A comparison of this Medicare Supplement to current plans follows for anyone currently on Plan J. For those still on Plan J plans, it’s important to know if other options could possibly be better for you.

What Happened to Medicare Supplement Plan J?

Medicare Plan J once offered the most comprehensive coverage of any of the supplements available prior to its cancellation. It filled every gap left by Medicare Parts A and B, including:

Plan J bears a striking resemblance to the current Medicare Supplement Plan F. Another reason that Medigap Plan J stood out was that prescription drug coverage happened to be included.

While a nice feature, once Medicare Part D was introduced as an option for prescription drugs, such a benefit was no longer necessary.

How Much Did Medicare Plan J Cost?

Since this is no longer an offered plan, there’s no exact cost. This is because what you will pay for Plan J depends on quite a few factors:

However, it’s important to note if you are enrolled in a High-Deductible Plan J plan, you have two deductibles that must be met before coverage kicks in:

  1. $2,490 for your medical expenses under Plan J

  2. $250 if your Plan J includes prescription drug coverage

Should I Change From Medicare Plan J?

CMS eliminated Medigap Plan J as an option for individuals on Medicare on June 1, 2010, which means there haven’t been any new enrollees since then. From the insurance company’s perspective, there are no new revenue sources for that plan.

Additionally, those who are on Plan J are aging and will be needing medical services more frequently. At the same time, expenses to operate Medigap Plan J are also increasing. In order for it to remain profitable, prices must increase as well.


Why was Medicare Plan J discontinued?

Eventually changes to Original Medicare meant coverage for things Plan J specialized in. This led to a decline in Plan J’s appeal. This included the separation of Part D prescription drug coverage from the plan, which was once a huge selling point.

When was Medicare Plan J discontinued?

May 31, 2010, was the last day that a Medicare recipient could enroll in Plan J. New enrollees do not have access to Plan J anymore.

Is Plan J creditable coverage?

Since it goes above and beyond what Original Medicare offers, Plan J is creditable coverage.

Which Medigap Plan Should I Switch To?

If Plan J no longer works for you or if you came to Medicare too late to take advantage, then it’s time to look at your current options for Medigap coverage. That’s where we can help!

Our licensed insurance agents can help pair you with the best plan for your individual needs and budget. All while answering any questions you have about anything Medicare-related.

Give our agents a call today. Or fill out our easy online rate form to receive the best rates in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.