Medicare Supplement Insurance Plans

Medicare Supplement Insurance (Medigap) plans are private insurance policies that help cover some of the out-of-pocket costs not covered by Original Medicare (Part A and Part B) — such as copayments, coinsurance, and deductibles.

Key Points About Medigap Plans:

You must have Original Medicare (Parts A & B) to buy a Medigap policy.

These plans are standardized across most states (except Massachusetts, Minnesota, and Wisconsin, which have their own plans).

Plans are labeled by letters: A, B, C, D, F, G, K, L, M, and N.

Each lettered plan offers a different combination of benefits, but the benefits of each plan are the same across all insurance companies offering them.

 

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Overview of Standard Medigap Plans (as of 2025)

Benefit A B C* D F* G K L M N
Part A coinsurance & hospital costs (up to 365 extra days) ✅ ✅ ✅ ✅ ✅ ✅ ✅ ✅ ✅ ✅
Part B coinsurance or copayment ✅ ✅ ✅ ✅ ✅ ✅ 50% 75% ✅ ✅†
First 3 pints of blood ✅ ✅ ✅ ✅ ✅ ✅ 50% 75% ✅ ✅
Part A hospice care coinsurance/copayment ✅ ✅ ✅ ✅ ✅ ✅ 50% 75% ✅ ✅
Skilled nursing facility care coinsurance ❌ ❌ ✅ ✅ ✅ ✅ 50% 75% ✅ ✅
Part A deductible ❌ ✅ ✅ ✅ ✅ ✅ 50% 75% 50% ✅
Part B deductible ❌ ❌ ✅ ❌ ✅ ❌ ❌ ❌ ❌ ❌
Part B excess charges ❌ ❌ ✅ ❌ ✅ ✅ ❌ ❌ ❌ ❌
Foreign travel emergency (up to plan limits) ❌ ❌ ✅ ✅ ✅ ✅ ❌ ❌ ✅ ✅
Out-of-pocket limit (in 2025) — — — — — — $7,060 $3,530 — —

*Plan C and F are only available if you were first eligible for Medicare before January 1, 2020.

†Plan N covers 100% of Part B coinsurance, except for a copayment of up to $20 for office visits and up to $50 for ER visits (if not admitted).

 

Summary of Most Popular Plans

✅ Plan F

Most comprehensive coverage (covers all gaps).

Only available to those eligible before Jan 1, 2020.

Covers Part B deductible and excess charges.

✅ Plan G

Almost identical to Plan F, except it does not cover Part B deductible.

Available to new enrollees.

Popular for those who want strong coverage.

✅ Plan N

Lower monthly premiums than G or F.

Has copays for doctor/ER visits.

Does not cover Part B excess charges.

Good for people who want savings and don’t mind small copays.

✅ Plan K and L

Lower premiums but higher out-of-pocket costs.

Annual out-of-pocket limits provide some financial protection.

Good for healthier individuals who expect fewer medical needs.

 

Choosing a Medigap Plan: Key Considerations

Health status and how often you use medical services.

Budget: Premiums vary by plan and insurer.

Whether you travel internationally (some plans cover emergency care abroad).

Do you want to avoid Part B excess charges? (Only Plan F and G cover them.)

Would you like help comparing current prices for plans in your area or choosing the best plan based on your needs?