Compare Medicare Supplement Plans Side by Side
Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you.
In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Did you know that 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 to people who were eligible for Medicare before January 1, 2020, but haven’t yet enrolled.
- People new to Medicare on or after January 1, 2020 have the right to to buy Plan D or G instead of Plan C or F.
Keep in mind, that the Medigap policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible).
Compare Medicare Supplement plans side-by-side
The chart below shows basic information about the different benefits Medigap policies cover.
Crossed Out = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
Plan A
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits)
- Out-of-pocket limit**: N/A
Plan B
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits)
- Out-of-pocket limit**: N/A
Plan C
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits): 80%
- Out-of-pocket limit**: N/A
Plan D
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits): 80%
- Out-of-pocket limit**: N/A
Plan F*
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits): 80%
- Out-of-pocket limit: $2,870
Plan G*
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits): 80%
- Out-of-pocket limit: $2,870
Plan K
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment: 50%
- Blood (first 3 pints): 50%
- Part A hospice care coinsurance or copayment: 50%
- Skilled nursing facility care coinsurance: 50%
- Part A deductible: 50%
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits)
- Out-of-pocket limit**: $7,220 in 2025
Plan L
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment: 75%
- Blood (first 3 pints): 75%
- Part A hospice care coinsurance or copayment: 75%
- Skilled nursing facility care coinsurance: 75%
- Part A deductible: 75%
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits)
- Out-of-pocket limit**: $3,610 in 2025
Plan M
- Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
- Skilled nursing facility care coinsurance
- Part A deductible: 50%
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits): 80%
- Out-of-pocket limit**: N/A
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 ***
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment ***
- Skilled nursing facility care coinsurance
- Part A deductible
- Part B deductible
- Part B Excess charge
- Foreign travel exchange (up to plan limits): 80%
- Out-of-pocket limit**: 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 $2,870 starting in 2025 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, or were eligible for Medicare before January 1, 2020, but not yet enrolled.)
** 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.
Source:
www.medicare.gov
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omar@osp-financial.com
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Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.