Compare Medigap Plans

Understand the basics, what's included and what's missing from each plan.

Plan A Medicare Supplement Plan A is different from Medicare Part A and is the most basic Medigap policy.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
Not Covered
  • Coinsurance for skilled nursing
  • Part A deductible
  • Part B deductible
  • Part B Excess Charges
  • Foreign Travel Emergency

Plan B Plan B is similar to traditional health insurance that covers doctor visits, lab work etc.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • Part A deductible
Not Covered
  • Coinsurance for skilled nursing
  • Part B deductible
  • Part B Excess Charges
  • Foreign Travel Emergency

Plan C This is not the same as Medicare Part C (Medicare Advantage) it is a Medicare Supplement insurance plan.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • Part A deductible
  • Part B deductible
  • Coinsurance for skilled nursing
  • 80% Foreign Travel Emergency
Not Covered
  • Part B Excess Charges

Plan D This is not the same as Part D Prescription Drug Plan, it is a Supplement insurance plan.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • Part A deductible
  • Coinsurance for skilled nursing
  • 80% Foreign Travel Emergency
Not Covered
  • Part B deductible
  • Part B Excess Charges

Plan F* Plan F is one of the most popular Medigap plan as it covers Medicare Part B excess charges

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • Part A deductible
  • Coinsurance for skilled nursing
  • Part B deductible
  • Part B Excess Charges
  • 80% Foreign Travel Emergency

* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,200 in 2017 ($2,240 in 2018) before your Medigap plan pays anything.

Plan G Very similar to Medigap Plan F with the exception of Part B deductible coverage.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • Part A deductible
  • Coinsurance for skilled nursing
  • Part B Excess Charges
  • 80% Foreign Travel Emergency
Not Covered
  • Part B deductible

Plan K Plan K offers partial coverage for Medigap benefits.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • 50% of Part B coinsurance or copayment
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • 50% of Medicare Parts A and B first three pints of blood
  • 50% of Part A deductible
  • Coinsurance for skilled nursing
Not Covered
  • Foreign Travel Emergency
  • Part B Excess Charges
  • Part B deductible

$5240 out-of-pocket annual limit subject to change

Plan L Similar to Plan K you will receive partial coverage for certain Medigap benefits.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • 75% of Part B coinsurance or copayment
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • 75% of Medicare Parts A and B first three pints of blood
  • 75% of Part A deductible
  • Coinsurance for skilled nursing
Not Covered
  • Foreign Travel Emergency
  • Part B Excess Charges
  • Part B deductible

$2620 out-of-pocket annual limit subject to change

Plan M Plan M offers partial coverage for Part A deductible.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • 50% Part A deductible
  • Coinsurance for skilled nursing
  • 80% Foreign Travel Emergency
Not Covered
  • Part B deductible
  • Part B Excess Charges

Plan N Similar to Plan M with full coverage to Part A deductible.

Coverage

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Hospice outpatient prescription drug copayment and inpatient respite care coinsurance
  • Medicare Parts A and B first three pints of blood
  • Part A deductible
  • Coinsurance for skilled nursing
  • 80% Foreign Travel Emergency
Not Covered
  • Part B deductible
  • Part B Excess Charges

Note: Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

If you live in Massachusetts, Minnesota, or Wisconsin, Medigap plans are different than the plans listed above.