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).
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 coinsurancePart A deductiblePart B deductiblePart B excess chargesForeign travel emergency- Out-of-pocket limit** (N/A)
Plan B
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare
- 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 coinsurancePart A deductiblePart B deductiblePart B excess chargesForeign 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 deductiblePart 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 deductiblePart B excess chargesForeign travel emergency- Out-of-pocket limit: $8,000 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 deductiblePart B excess chargesForeign travel emergency- Out-of-pocket limit: $4,000 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 deductiblePart 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)
