Medigap Plans Comparison Chart
FOOTNOTES:
1. HDF and HDG are deductible versions of the F and G, respectively. If you choose one of these options, this means that you must pay for Medicare-covered costs up to the deductible amount of $2,490 (2022) before your Medigap plan pays anything.
2. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
3. Plan F, High Deductible Plan F (HDF) & Plan C are ONLY available to those who were considered Medicare-eligible prior to 2020.
4. Out-of-pocket limits for Plan K are $6,620 (2022) and $3,310 (2022).
Medigap plan A
Medigap plan A is designed to help pay for some of the costs that are not covered by Medicare, such as copayments, coinsurance, and deductibles. It also helps cover some of the costs of services that are not normally covered by Medicare, such as ambulance services and preventive care. Medigap plan A is most basic Medicare supplement plan.
Medigap plan B
Medigap plan B is one of the most popular plans, as it offers a good level of coverage at a relatively affordable price. Medigap plan B covers 100% of the Part A coinsurance and hospital costs, as well as 80% of Part B coinsurance and copayments. It also provides coverage for the first three pints of blood, as well as 50% of the cost of foreign travel emergency care.
Medigap plan C
Medigap Plan C covers all of your out-of-pocket costs associated with Original Medicare except Part B excess charges. Please note that Medigap Plan C is not the same as Medicare Part C (Medicare Advantage), despite their names that sound somewhat alike.
Medigap plan D
Medigap Plan D is a supplemental insurance policy that can help cover some of the costs not covered by Medicare. This includes things like deductibles, co-pays, and coinsurance. Medigap Plan D may also cover some foreign travel emergency expenses.
Medigap plan F
Medigap Plan F is the most comprehensive of all the Medigap plans, offering coverage for all of the gaps in Medicare Part A and Part B. This includes deductibles, co-insurance, and co-payments. It also covers skilled nursing facility care coinsurance, hospice care coinsurance or copayments, and the first three pints of blood each year. If you are covered by Plan F, you will not have to worry about any co-pays or deductibles for Medicare-covered services.
Medigap plan G
Medigap plan G is a supplemental insurance policy that can help cover some of the costs not covered by Medicare. This includes things like deductibles, co-pays, and coinsurance. Medigap plan G can also help cover some of the costs for Medicare Part B services.
Medigap plan K
Medigap plan K has some great coverage options, it does not cover the Medicare Part B deductible or any of the coinsurance or copayment expenses for doctor visits.
Medigap plan L
Medigap plans L covers a wide range of costs, including Part A and Part B deductibles, co-insurance, and copays. It also offers coverage for skilled nursing care and foreign travel emergency care.
Medigap plan M
Medigap plan M is one of the more popular Medigap plans. It offers a broad range of benefits, including coverage for Medicare Part A and Part B deductibles, coinsurance, and copayments. It also covers some of the costs associated with Medicare Part B excess charges.
Medigap plan N
Medigap plan N is a popular plan, as it offers a broad range of coverage at a relatively low cost. Some of the highlights of Plan N include:
-Coverage for Part A and Part B deductibles
-Coverage for emergency care abroad
-Copayments for doctor visits and other outpatient care
