Medicare Supplement (Medigap) Plan Comparison Chart
This article was updated on: 01/07/2019
The 10 different Medicare Supplement (Medigap) plans available in most states have standardized benefits across each plan letter. For example, Medigap Plan A will have the same benefits regardless of which state you live in or which insurance company you buy from. If you live in Massachusetts, Minnesota, or Wisconsin, the Medigap plans in these states are standardized differently.
How to read the chart:
If “Yes” appears in a row on this chart, the Medigap policy covers 100% of the benefit. If a row lists a percentage, the Medicare Supplement policy covers that percentage of the benefit. If “No” appears in a row, the policy doesn’t cover that benefit.
|Medigap Plans for Most States
|Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B coinsurance or copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|First three pints of blood||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A hospice coinsurance or copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility (SNF) coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||80%||80%||80%||80%||No||No||80%||80%|
*Plan F is also available in a high-deductible version. With the high-deductible Plan F, you pay for all Medicare-covered costs until you reach the deductible of $2,300 in 2019 before your Medigap plan pays anything.
**Plan N pays 100% of the Medicare Part B coinsurance. There are a few exceptions: Certain office visits may require a copayment of up to $20; and emergency room visits that don’t result in your being admitted as an inpatient may require a copayment of up to $50.
***Once you have reached the annual out-of-pocket spending limit and your Medicare Part B deductible, your Medigap plan pays 100% for Medicare-covered costs for the remainder of the calendar year.
Keep in mind that because Medigap benefits are standardized, the main difference between plans of the same type is the cost.
If you need help finding a Medigap or other Medicare plan that fits your needs, I’m here to help. To schedule a time to speak one-on-one or have me email you more information, use the links below. If you’re ready to find plans now, you can use the Find Plans buttons on this page to browse plans now.