How to compare Medigap policies

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 

benefits [glossary]

 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

Note:

As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you can keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans (Plan C or F).

Medigap Plans

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

The Medigap policy covers coinsurance  only after you've paid the deductible  (unless the Medigap policy also pays the deductible).

Compare Medigap Plans

Medigap Benefits
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 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
Part B excess charge
Foreign travel exchange (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

$6,620 in 2022

 $3,310 in 2022

N/A N/A

* 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$2,490 in 2022 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.

For more information