Medicare Supplement Plan Comparison

Medigap Plan B

Medigap Plan B is a Medicare Supplement plan that covers:

• Medicare Part A coinsurance payments
• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Part A deductible 

Medigap Plan C

Medigap Plan C is a more comprehensive plan. It covers:

• Medicare Part A coinsurance payments
• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Your Medicare Part A deductible
• Skilled nursing facility care
• Your Part B deductible
• 80% of foreign travel emergency medical care costs

One important thing to note about Plan C is that it is no longer available to anyone who became eligible for Medicare before January 1, 2020.

Medigap Plan D

Medigap Plan D covers:

• Medicare Part A coinsurance payments
• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care
• Your Part A deductible
• 80% of foreign travel emergency medical care costs

Medigap Plan F

Medigap Plan F is the most comprehensive plan and covers:

• Medicare Part A coinsurance payments and hospital costs 
• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible 
• Medicare Part B deductible
• Medicare Part B excess charge
• 80% of foreign travel emergency medical care costs

One important thing to note about Plan F is that it is no longer available to anyone who became eligible for Medicare before January 1, 2020.

Medigap Plan G

Medigap Plan G is the second most comprehensive option after Medigap Plan F. Plan G covers the following:

• Medicare Part A coinsurance payments and hospital costs 
• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible 
• Medicare Part B excess charge
• 80% of foreign travel emergency medical care costs

Medigap Plan K 

Medigap Plan K is a plan that’s becoming more popular. It fully covers Part A coinsurance and hospital costs but uses a cost-sharing model for other expenses. It covers 50% of the cost of the following:

• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care
• Part A deductible

Medigap Plan L 

Medigap Plan L also takes a cost-sharing approach. It fully covers your Part A coinsurance and hospital costs, as well as 75% of the following: 

• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care
• Part A deductible

Medigap Plan M 

Medigap Plan M is a basic supplement plan that offers a slightly lower monthly premium in exchange for you paying 50% of your Part A deductible. It covers the following in full:

• Medicare Part A coinsurance payments
• Medicare Part B copayment or coinsurance
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care
• 80% of foreign travel emergency medical care costs 

Medigap Plan N 

Medigap Plan N is a popular Medicare Supplement plan that is less comprehensive than plans F and G but more comprehensive than plans A and B. Plan N covers the following: 

• Medicare Part A coinsurance payments and hospital costs 
• Medicare Part B copayment or coinsurance (exceptions include: a copayment of up to $20 for some office visits and up to a $50 copayment for ER visits)
• First three pints of blood used in a transfusion
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• Medicare Part A deductible 
• 80% of foreign travel emergency medical care costs