Medicare Medigap plans by the letter
Options with lower out-of-pocket costs
Plans A and B
Medicare Supplement Insurance Plans A and B cover basic coinsurance and copayment costs for hospitalization, medical expenses, and hospice care. Medicare Supplement Plan B provides additional coverage for Part A deductibles.
Plans C and D
Medicare Supplement Insurance Plans D and C help with out-of-pocket costs left from Original Medicare, like coinsurance, copayments, the Medicare Part A deductible, and emergency care abroad. Plan C also covers the Medicare Part B deductible, but Medicare Supplement Insurance Plan C is only available to those who were eligible for Medicare prior to January 1, 2020.
Plan F
Medicare Supplement Insurance Plan F is only available to those who were eligible for Medicare prior to January 1, 2020. Plan F helps with out-of-pocket costs left from Original Medicare, like coinsurance and deductibles, plus coverage for Medicare Part A and B deductibles, emergency care abroad, and 100% of Part B excess charges (charges above what Medicare will pay.) A high-deductible option is available that can lower your premiums.
Plans G
Medicare Supplement Insurance Plan G helps with out-of-pocket costs left from Original Medicare, like coinsurance and deductibles, plus coverage for additional costs like Part A deductibles, emergency care abroad, and Part B excess charges—this is the difference between what a provider charges and the amount Medicare will pay up to Medicare’s limiting amount. A high-deductible option is available for a lower premium.
Options with lower premiums
Plans K and L
Medicare Supplement Insurance Plans K and L cover a range of medical costs, including doctors’ services and hospital care. The plans pay a percentage of your costs, and then you are responsible for the remainder. Each Medicare Supplement Plan K and L has its own out-of-pocket maximum, which limits the amount you have to pay each year.
Plan N
Medicare Supplement Insurance Plan N includes an office copayment and an emergency room copayment. Medicare Supplement Insurance Plan N also covers Medicare Part A deductibles, skilled nursing care coinsurance, and emergency care abroad.
Compare Medigap plans side by side
| Medigap Benefits | A | B | D | G¹ | K | L | M | N | C | F¹ |
|---|---|---|---|---|---|---|---|---|---|---|
|
Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits are used up |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
|
Part B coinsurance or copayment |
100% |
100% |
100% |
100% |
50% |
75% |
100% |
100%2 |
100% |
100% |
|
Blood: first 3 pints |
100% |
100% |
100% |
100% |
50% |
75% |
100% |
100% |
100% |
100% |
|
Part A hospice care coinsurance or copayment |
100% |
100% |
100% |
100% |
50% |
75% |
100% |
100% |
100% |
100% |
|
Skilled nursing facility care coinsurance |
|
|
100% |
100% |
50% |
75% |
100% |
100% |
100% |
100% |
|
Part A deductible |
100% |
100% |
100% |
100% |
50% |
75% |
100% |
100% |
100% |
100% |
|
Part B excess charge |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
|
100% |
|
Foreign travel exchange up to plan limits |
|
|
80% |
80% |
|
|
80% |
80% |
80% |
80% |
|
Out-of-pocket limit³ |
|
|
|
|
$7,060 |
$3,530 |
|
|
|
|
Based on 2024 costs | Plans C and F are available to those who were eligible for Medicare before January 1, 2020. Contact an agent for more information about these plans
1 Enrollees in high-deductible Plan G and Plan F must pay for their Medicare-covered costs up to the deductible amount before the plan begins to pay.
2 Plan N pays 100% of the Part B coinsurance, excluding copayments for some office visits and ER visits that don’t lead to inpatient admission.
³ For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.