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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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.