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Medicare Supplement Plan Options

Medigap Plans

There are 10 Medigap plans to choose from in most states (Massachusetts, Minnesota and Wisconsin have different Medigap plan options). The plan options available in most states are standardized by the federal government.

The 10 Medigap plans are Plan A, B, C, D, F, G, K, L, M and N. Insurance companies must offer the same benefits for each lettered plan option. For example, Plan C will always have the same benefits no matter which company you buy it from. The only difference between one insurance company and another is price.

Below are the various Medigap policies and their benefits:

Medicare supplement plan benefits

Benefit

Part A hospital care co-insurance & costs

Plans that cover it

A, B, C, D, F¹, G, K², L³, M & N⁴

Benefit

Part A hospice care co-insurance or co-payment

Plans that cover it

A, B, C, D, F¹, G, K², L³, M & N⁴

Benefit

Part B co-insurance or co-payment

Plans that cover it

A, B, C, D, F¹, G, K², L³, M & N⁴

Benefit

First 3 pints of blood

Plans that cover it

A, B, C, D, F¹, G, K², L³, M & N⁴

Benefit

Part A skilled nursing care co-insurance

Plans that cover it

A, B, C, D, F¹, G, K², L³, M & N⁴

Benefit

Medicare Part A deductible

Plans that cover it

A, B, C, D, F¹, G, K², L³, M² & N⁴

Benefit

Medicare Part B deductible

Plans that cover it

A, B, C, D, F¹, G, K, L, M & N⁴

Benefit

Medicare Part B excess charges

Plans that cover it

A, B, C, D, F¹, G, K, L, M & N⁴

Benefit

Emergency care outside of the U.S. (up to plan limits)

Plans that cover it

A, B, C, D, F¹, G, K, L, M & N⁴

Benefit

Out-of-pocket limit

Plans that cover it

K ($5,240) & L ($2,620)

¹Plan F features a high-deductible plan

²Covers 50% of the approved amount

³Covers 75% of the approved amount

⁴Plan N may require a copayment of $20 for some office visits and up to $50 for an emergency room visit that doesn't result in an inpatient admission

Part A hospital care co-insurance & costs	A, B, C ,D , F¹, G, K², L³, M & N⁴
Part A hospice care co-insurance or co-payment	A, B, C ,D , F¹, G, K², L³, M & N⁴
Part B co-insurance or co-payment	A, B, C ,D , F¹, G, K², L³, M & N⁴
First 3 pints of blood	A, B, C ,D , F¹, G, K², L³, M & N⁴
Part A skilled nursing care co-insurance	A, B, C , D, F¹, G, K², L³, M & N⁴
Medicare Part A deductible	A, B, C, D, F¹, G, K², L³, M & N⁴
Medicare Part B deductible	A, B, C, D, F¹, G, K, L, M & N⁴
Medicare Part B excess charges	A, B, C, D, F¹, G, K, L, M & N⁴
Emergency care outside of the U.S. (up to plan limits)	A, B, C, D, F¹, G, K, L, M & N⁴
Out-of-pocket limit (2018)	K ($5,240) & L ($2,620)
¹Plan F features a high-deductible plan ²Covers 50% of the approved amount ³Covers 75% of the approved amount ⁴Plan N may require a copayment of $20 for some office visits and up to $50 for an emergency room visit that doesn't result in an inpatient admission

Benefits

As shown in the table above, each Medigap plan has a different array of benefits. All 10 plans have the same 4 standard benefits. There are 5 optional benefits included in some Medigap plans.

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