Medicare Supplement Plan Comparison

Compare Medigap Plans: A Simple Guide to Medicare Supplement Coverage

Medigap, also called Medicare Supplement Insurance, helps pay some of the out-of-pocket costs that Original Medicare does not cover. These may include deductibles, copayments, coinsurance, and certain hospital costs.

Because Medigap plans are standardized, a Plan G from one insurance company offers the same basic benefits as a Plan G from another company. The main differences are usually price, company, household discounts, rate history, and customer service. Medicare notes that standardized Medigap policies must provide the same benefits, though costs can vary by insurer.

What Is Medigap?

Medigap is private insurance designed to work with Original Medicare Parts A and B. When Medicare pays its share of approved health care costs, your Medigap policy may help pay remaining covered costs.

To buy a Medigap policy, you generally need both Medicare Part A and Part B. You also continue paying your Part B premium, plus a separate premium to the Medigap insurance company

Understanding Medicare Supplement Plans

Each Medigap plan offers a different level of coverage for Medicare-related out-of-pocket costs. While benefits are standardized by Medicare, the right plan depends on your budget, health needs, and preferred level of coverage.

Plan A

Plan A includes core Medigap benefits such as Medicare Part A coinsurance and Part B coinsurance coverage. It offers fewer additional benefits than other plans but may have lower premiums.

Plan B

Plan B includes everything in Plan A, plus coverage for the Medicare Part A deductible.

Plan C*

Plan C offers broad coverage, including the Medicare Part B deductible and foreign travel emergency coverage.

Not available to people newly eligible for Medicare after January 1, 2020.

Plan D

Plan D includes many comprehensive Medigap benefits, including skilled nursing facility coinsurance and foreign travel emergency coverage.

Plan F*

Plan F is one of the most comprehensive Medigap plans available and covers nearly all Medicare-approved out-of-pocket costs. Not available to people newly eligible for Medicare after January 1, 2020.

High-Deductible Plan F

This option offers the same benefits as Plan F after you meet the annual deductible requirement.

Plan G

Plan G is one of the most popular Medicare Supplement plans because it provides broad coverage while excluding only the Medicare Part B deductible.

High-Deductible Plan G

High-Deductible Plan G may offer lower monthly premiums in exchange for a higher deductible before coverage begins.

Plan K

Plan K shares some costs with beneficiaries and includes an annual out-of-pocket limit for added protection.

Plan L

Plan L covers a higher percentage of costs than Plan K and also includes an annual out-of-pocket maximum.

Plan M

Plan M helps cover many Medicare out-of-pocket costs while requiring beneficiaries to share a portion of the Medicare Part A deductible.

Plan N

Plan N may offer lower monthly premiums than Plan G but can include copayments for certain office visits and emergency room visits.

Frequently Asked Questions

Need Help Comparing Medicare Supplement Plans?

Solutions to Medicare can help you compare Medicare Supplement coverage options, review available plans in your area, and understand how different Medigap plans work alongside Original Medicare.