Compare Medicare Supplement Plans Side by Side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a “standardized” policy identified in most states by letters (see the chart below). 

 

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in this comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you. 

 

In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

 

Did you know that each insurance company decides which Medigap policies it wants to sell, and state laws affect which ones they offer? Insurance companies that sell Medigap policies:

 

  • Don’t have to offer every Medigap plan.
  • Must offer Medigap Plan A if they offer any Medigap policy
  • Must also offer Plan C or Plan F to people who were eligible for Medicare before January 1, 2020, but haven’t yet enrolled.
  • People new to Medicare on or after January 1, 2020 have the right to buy Plan D or G instead of Plan C or F. 

Keep in mind that Medigap policies may cover Medicare Parts A & B coinsurance after you’ve paid the deductible (unless the Medigap policy also pays the deductible).

Medicare Supplements
Compare Medicare Supplement plans side-by-side

The table below shows the different benefits that each standard Medigap policy covers.

 

Crossed Out = the policy doesn’t cover that benefit

 

% = The plan covers that percentage of this benefit

 

N/A = Not applicable

Plan A
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit** (N/A)
Plan B
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit** (N/A)
Plan C
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan D
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan F*
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan G*
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan K
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up: 100%
  • Part B coinsurance or copayment: 50%
  • Blood (first 3 pints): 50%
  • Part A hospice care coinsurance or copayment: 50%
  • Skilled nursing facility care coinsurance: 50%
  • Part A deductible: 50%
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit: $7,220 in 2026
Plan L
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up: 100%
  • Part B coinsurance or copayment: 75%
  • Blood (first 3 pints): 75%
  • Part A hospice care coinsurance or copayment: 75%
  • Skilled nursing facility care coinsurance: 75%
  • Part A deductible: 75%
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit: $3,610 in 2026
Plan M
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible (50% of costs)
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan N
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment***
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)

*Plans F and G also offer a high-deductible option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,870 (starting in 2026) before your policy pays anything.

 

** 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.

 

*** With Medigap Plan N, you pay a Part B copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that doesn't result in inpatient admission.

 

Source: www.medicare.gov

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Not affiliated with or endorsed by the Government or Federal Medicare Program.