Medigap Plan Comparison Chart
All Medigap plans are standardized by the federal government. This means Plan G from one insurance company offers the exact same benefits as Plan G from another company. The only differences are price and customer service.
How to Use This Comparison
This chart shows what each plan covers. "100%" means the plan pays 100% of that Medicare cost. Blank spaces mean the plan doesn't cover that benefit.
Most Popular Plans
The most commonly chosen Medigap plans are:
- Plan G - Most comprehensive for new enrollees (became eligible after 1/1/2020)
- Plan N - Lower premiums with small copays
- Plan F - Most comprehensive overall (only available if eligible before 1/1/2020)
- High Deductible Plan G - Lowest premiums with catastrophic protection
Coverage Details
Core Benefits (All Plans Cover)
Every Medigap plan (A through N) includes these basic benefits:
- Part A coinsurance and hospital costs up to 365 additional days after Medicare benefits end
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice care coinsurance or copayment
Additional Benefits (Vary by Plan)
- Skilled Nursing Facility Coinsurance - Most plans except Plan A
- Part A Deductible - Plans B, C, D, F, G, and N
- Part B Deductible - Only Plans C and F
- Part B Excess Charges - Plans F and G
- Foreign Travel Emergency - Plans C, D, F, G, M, and N (80% coverage)
Quick Plan Selection Guide
Want Maximum Coverage?
- Eligible before 1/1/2020: Choose Plan F or Plan G
- Eligible after 1/1/2020: Choose Plan G
Want to Save on Premiums?
- Healthy & rarely see doctors: Plan N or High Deductible Plan G
- Okay with more cost-sharing: Plans K or L
Want Balance of Coverage & Cost?
- Best overall value: Plan N
- Good mid-range option: Plan D or M
State Variations
Massachusetts, Minnesota, and Wisconsin have different Medigap plan structures. If you live in one of these states, contact a licensed agent for details about your state's specific plans.
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