Find out which insurance companies sell Medigap policies in your area.
Medigap policies are standardized
Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance." Insurance companies can sell you only a standardized policy identified in most states by letters.
All policies offer the same basic
but some offer additional benefits, so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Each insurance company decides which Medigap policies it wants to sell, although state laws might 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 if they offer any plan
Compare Medigap plans side-by-side
The chart below shows basic information about the different benefits Medigap policies cover.
= the plan covers 100% of this benefit
= the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
Compare Medigap Plans
|Plan A||Plan B||Plan C||Plan D||Plan F*||Plan G*||Plan
|Plan M||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||||||||||||||50%||75%||||***|
|Blood (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|||||||||||||||||||||
|Foreign travel exchange (up to plan limits)||||||80%||80%||80%||80%||||||80%||80%|
$6,940 in 2023
$3,470 in 2023
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,700 in 2023 before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.
You live in Massachusetts, Minnesota, or Wisconsin
If you live in one of these 3 states, Medigap policies are standardized in a different way.
- You live in Massachusetts
- You live in Minnesota
- You live in Wisconsin