Medigap Plans Comparison Chart
Medicare Supplement Insurance
Medigap Plans Compared
Swipe to see all plans
| Benefits | A | B | C | D | F* | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (up to 365 extra days) | ||||||||||
| 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$1,736 in 2026 | 50% | 75% | 50% | |||||||
| Part B deductible$283 in 2026 | ||||||||||
| Part B excess charges | ||||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Yearly out-of-pocket limit2026 limits | $8,000 | $4,000 |
* Plans F and G also come in a high-deductible version. You pay Medicare-covered costs up to the deductible ($2,950 in 2026) before the plan pays.
Plans C and F are available only if you were eligible for Medicare before January 1, 2020.
Plans K and L pay 100% of covered services for the rest of the year once you reach the yearly out-of-pocket limit ($8,000 for Plan K and $4,000 for Plan L in 2026) and the Part B deductible.
† Plan N pays 100% of Part B coinsurance, except up to $20 for some office visits and up to $50 for ER visits that don’t result in an inpatient admission.
Medigap Plan A
Medigap Plan A is the most basic Medicare Supplement plan. It covers the core benefits every Medigap plan includes: Part A coinsurance and hospital costs for up to an additional 365 days after Medicare benefits are used up, Part B coinsurance or copayments, the first three pints of blood, and Part A hospice care coinsurance or copayments. It does not cover the Part A or Part B deductible, skilled nursing facility coinsurance, Part B excess charges, or foreign travel emergencies.
Medigap Plan B
Medigap Plan B covers everything Plan A does and adds the Part A hospital deductible. That means 100% of Part A coinsurance and hospital costs, Part B coinsurance or copayments, the first three pints of blood, Part A hospice care coinsurance or copayments, and the Part A deductible. It does not cover skilled nursing facility coinsurance, the Part B deductible, Part B excess charges, or foreign travel emergencies.
Medigap Plan C
Medigap Plan C covers nearly all of the out-of-pocket costs that come with Original Medicare, including the Part A and Part B deductibles, skilled nursing facility coinsurance, and 80% of foreign travel emergency care. It does not cover Part B excess charges. Plan C is only available to people who were eligible for Medicare before January 1, 2020. Please note that Medigap Plan C is not the same as Medicare Part C (Medicare Advantage), despite the similar names.
Medigap Plan D
Medigap Plan D is a supplemental insurance policy that helps cover costs not covered by Medicare. It includes the core benefits plus the Part A deductible, skilled nursing facility coinsurance, and 80% of foreign travel emergency care. It does not cover the Part B deductible or Part B excess charges.
Medigap Plan F
Medigap Plan F is the most comprehensive of all the Medigap plans. It covers the Part A and Part B deductibles, Part A and Part B coinsurance and copayments, skilled nursing facility care coinsurance, hospice care coinsurance or copayments, the first three pints of blood, Part B excess charges, and 80% of foreign travel emergency care. With Plan F, you have no out-of-pocket costs for Medicare-covered services. Plan F is only available to people who were eligible for Medicare before January 1, 2020.
Medigap Plan G
Medigap Plan G is a supplemental insurance policy that helps cover costs not covered by Medicare. It covers everything Plan F covers except the Part B deductible, including Part B excess charges and 80% of foreign travel emergency care. Once you pay the yearly Part B deductible, Plan G pays the rest of your Medicare-covered costs.
Medigap Plan K
Medigap Plan K trades fuller coverage for a lower monthly premium. It pays 100% of Part A coinsurance and hospital costs and 50% of Part B coinsurance or copayments, the first three pints of blood, hospice and skilled nursing facility coinsurance, and the Part A deductible. It does not cover the Part B deductible, Part B excess charges, or foreign travel emergencies, but it has a yearly out-of-pocket limit.
Medigap Plan L
Medigap Plan L works like Plan K but pays 75% instead of 50%. It covers 100% of Part A coinsurance and hospital costs and 75% of Part B coinsurance or copayments, the first three pints of blood, hospice and skilled nursing facility coinsurance, and the Part A deductible. It does not cover the Part B deductible, Part B excess charges, or foreign travel emergencies, and its yearly out-of-pocket limit is lower than Plan K’s.
Medigap Plan M
Medigap Plan M covers the core benefits plus skilled nursing facility coinsurance, 50% of the Part A deductible, and 80% of foreign travel emergency care. It does not cover the Part B deductible or Part B excess charges.
Medigap Plan N
Medigap Plan N covers the core benefits plus the Part A deductible, skilled nursing facility coinsurance, and 80% of foreign travel emergency care. You pay up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. It does not cover the Part B deductible or Part B excess charges.
How to Choose the Right Medigap Plan
Every Medigap plan with the same letter has the same benefits, no matter which insurance company sells it. That means choosing a plan comes down to two questions: which benefits you want, and how much you want to pay each month in exchange for lower bills when you get care. The chart above shows the benefits side by side.
Start with how you use health care. If you see doctors often or want predictable costs, a plan with fuller coverage like Plan G may fit. If you rarely see a doctor and want a lower monthly premium, a cost-sharing plan like Plan K, Plan L, or Plan N may make more sense. If you travel outside the country, look for a plan that includes foreign travel emergency coverage.
How Medigap Premiums Are Priced
Benefits are standardized, but prices are not. Insurance companies price Medigap policies in one of three ways. Community-rated policies charge everyone the same premium regardless of age. Issue-age-rated policies base the premium on your age when you buy the policy, so it does not go up because you get older. Attained-age-rated policies base the premium on your current age, so it rises as you age.
Premiums can also change because of inflation, where you live, and the insurance company’s own pricing, so the same plan letter can cost very different amounts from one company to the next. A licensed iHealthBrokers advisor can compare Medigap rates from multiple carriers in your area at no cost to you.
