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Medicare Supplement (Medigap) Plan Comparison Chart

Brenda Abrahams by Brenda Abrahams | Licensed since 2008
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This article was updated on: 08/17/2017

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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 Benefits

 

Medigap Plans for Most States

 

A B C D * G K L M N
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%
Out-of-Pocket Limit*** None None None None None None $5,120 $2,560 None None

 

*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 $2,200 in 2017 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. To speak with someone more quickly, call us using the information below.

Call Medicare.com’s licensed insurance agents at 1-844-847-2660, TTY users 711; Monday through Friday, 8AM to 8PM ET.

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Brenda Abrahams |
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Licensed Insurance Agent since 2008
1- 844-847-2659
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