Compare Medigap Plan Benefits
The chart below shows what each Medigap plan covers for different Medicare services.
= the plan covers 100% of this benefit
= the plan doesn't cover this benefit and you're responsible for paying the cost
% = the plan covers that percentage of this benefit and you’re responsible for the rest
N/A = not applicable
The Medigap policy will only pay your coinsurance after you’ve paid the deductible (unless the Medigap policy also covers your deductible).
Compare the benefits offered by each plan:
Medigap Benefit
| Plan A | Plan B | Plan C | Plan D | Plan F* | Plan G* | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used | | | | | | | | | | |
| Part B coinsurance or copayment | | | | | | | 50% | 75% | | *** |
| Blood benefit (first 3 pints) | | | | | | | 50% | 75% | | |
| Part A hospice care coinsurance or copayment | | | | | | | 50% | 75% | | |
| Skilled nursing facility care coinsurance | | | | | | | 50% | 75% | | |
| Part A deductible | | | | | | | 50% | 75% | 50% | |
| Part B deductible | | | | | | | | | | |
| Part B excess charge | | | | | | | | | | |
| Foreign travel emergency (up to plan limits) | | | 80% | 80% | 80% | 80% | | | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $8,000 in 2026
| $4,000 in 2026
| N/A | N/A |
*Plans F and G also offer a high‑deductible plan in some states. You must pay up to $2,950 in 2026 for Medicare-covered costs (coinsurance, copayments and deductibles) before your policy pays anything.
*Plans K and L pay 100% of covered services for the rest of the calendar year after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($283 in 2026). The out-of-pocket limit for plan K is $8,000 and Plan L is $4,000 in 2026.
***Plan N pays 100% of the costs of Part B coinsurance. You must pay a copayment of up to $20 for some office visits and up to $50 for emergency room visits when you aren't admitted as an inpatient.
Next Step: Learn how Medigap works