Medicare Supplement Plan J was once one of the most popular choices for beneficiaries seeking a high level of coverage. It was, in fact, the highest level of coverage one could get with a Medicare Supplement plan. If you try to buy a Medigap Plan J right now, however, you would not be able to find one. So, what happened?
Why was was Medigap Plan J removed?
When Congress passed the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, the structure of Medicare was forever altered. Among other things, this act signaled the beginning of Medicare Part D prescription drug coverage. This meant that Plan J’s prescription coverage was now duplicated and that Plan J as a whole was becoming outdated. With the removal of drug coverage from Plan J, it was then nearly identical to Plan F. Thus, the closure of Plan J was simply a matter of duplication.
If I have a Plan J, what should I do?
First of all, you do not have to do anything. All enrollees in an expired plan (including Plan J) are able to keep their plan with no loss of benefits. That said, we always recommend comparison shopping.
If you do decide to comparison shop and want to maintain the level of coverage you have with Plan J, there are other options out there for you. Consider Medicare Supplement Plan G and Plan N.