Medicare Supplement (Medigap) plans

Medigap plans work alongside Original Medicare to pay the out-of-pocket costs it leaves behind. Benefits are standardized by Medicare into lettered plans — so Plan G covers the same things from any carrier, and only the premium differs.

See Supplement plans in your state →

Choose a plan type

A Plan A The basic benefits every Medigap plan must include — a simple, lower-cost starting point. B Plan B Basic benefits plus the Part A hospital deductible. C Plan C Broad coverage that also pays both the Part A and Part B deductibles. Pre-2020 eligibility only D Plan D Strong coverage including skilled nursing and foreign travel — without paying for the Part B deductible. F Plan F The most complete plan, covering every gap Original Medicare leaves, including both deductibles. Pre-2020 eligibility only G Plan G Popular Comprehensive coverage of everything except the Part B deductible — the most popular Medigap plan. K Plan K Lower premium in exchange for 50% cost-sharing, with a yearly out-of-pocket limit. L Plan L 75% cost-sharing with a yearly out-of-pocket limit — a middle ground between K and fuller plans. M Plan M Covers half the Part A deductible; no Part B deductible or excess charges. N Plan N Popular Comprehensive coverage with small copays for some office and ER visits — a popular value pick.

Compare what each plan covers

How much of each Original Medicare cost the plan pays. Coverage is identical across carriers — compare on price and service.

BenefitABCDFGKLMN
Part A coinsurance & hospital costs✓✓✓✓✓✓✓✓✓✓
Part B coinsurance or copayment✓✓✓✓✓✓50%75%✓✓*
Blood✓✓✓✓✓✓50%75%✓✓
Part A hospice care coinsurance✓✓✓✓✓✓50%75%✓✓
Skilled nursing facility coinsurance——✓✓✓✓50%75%✓✓
Part A deductible—✓✓✓✓✓50%75%50%✓
Part B deductible——✓—✓—————
Part B excess charges————✓✓————
Foreign travel emergency——80%80%80%80%——80%80%
✓ Covered 100% 50% / 75% / 80% Partial coverage — Not covered

* Plan N pays 100% of the Part B coinsurance, except for a copay of up to $20 for some office visits and up to $50 for emergency-room visits that don't lead to inpatient admission.

Plans C and F are available only if you were eligible for Medicare before January 1, 2020.

Plans K and L have a yearly out-of-pocket limit; after you reach it, the plan pays 100% of covered services for the rest of the year.

Frequently asked questions

Are Medigap plans the same no matter which company I buy from?

Yes — benefits for each lettered plan are set by Medicare, so Plan G from one carrier covers exactly the same costs as Plan G from another. Carriers compete on price, customer service, and rate stability, which is why premiums are shown as a range.

Which Medigap plan is the most popular?

Plan G is the most popular choice for people newly eligible for Medicare because it covers nearly every gap except the Part B deductible. Plan N is a popular lower-premium alternative that trades small copays for a lower monthly cost.

Do Medigap plans include prescription drug coverage?

No. Medigap plans don't include Part D drug coverage. If you want prescription coverage, you can add a standalone Part D plan alongside your Medigap plan.

When is the best time to buy a Medigap plan?

Your Medigap Open Enrollment Period is the 6 months starting the month you're 65 and enrolled in Part B. During this window carriers can't deny you or charge more based on health, so it's usually the best time to enroll.