Medicare Supplement Plan K

2026 standardized Medigap plan

Lower premium in exchange for 50% cost-sharing, with a yearly out-of-pocket limit.

From $54 / mo varies by state, carrier, age & tobacco use

Plan K — At a glance

Part A deductible

50%

Part B deductible

Not covered

Part B excess charges

Not covered

Skilled nursing coinsurance

50%

Foreign travel emergency

Not covered

Prescription drugs (Part D)

Not included

Plan K premiums by state

Medigap premiums vary widely by state, county, age & tobacco use — coverage is identical everywhere. Pick your state to see carriers and exact pricing.

No states match your search

Try a different spelling.

What Plan K covers

How much of each Original Medicare out-of-pocket cost this plan pays. These benefits are the same from every carrier that sells the plan.

Part A coinsurance & hospital costs 100%

Part B coinsurance or copayment 50%

Blood 50%

Part A hospice care coinsurance 50%

Skilled nursing facility coinsurance 50%

Part A deductible 50%

Part B deductible —

Part B excess charges —

Foreign travel emergency —

More coverage details

How Plan K works with Original Medicare across the main cost categories.

Supplement plans are required to cover a set of standardized basic benefits set by the government. These Supplemental benefits provide additional coverage to what is covered by Original Medicare Part A (hospital insurance) and Part B (medical insurance and doctor visits).

Medicare Part A Hospital Coinsurance or Deductible

For hospital stay days 1 - 60, Plan K pays $670
For hospital stay days 61 - 90, Plan K pays $335 per day
For hospital stay days 91 - 150, Plan K pays $670 per day
For an additional 365 days, Plan K pays 100% of approved expenses
After the additional 365 days, Plan K pays $0 per day

Medicare Part A Skilled Nursing Facility Coinsurance

For nursing facility stay days 1 - 20, Plan K pays $0 per day
For nursing facility stay days 21 - 100, Plan K pays up to $83.75 per day
After 100 days nursing facility stays, Plan K pays $0 per day

Medicare Part B Coinsurance or Copay

Plan K pays $0 until you meet your $185 Part B deductible
After Part B deductible is met, Plan K typically pays 10% of the coinsurance

Blood Coverage

For the first 3 pints of blood, Plan K pays 50% of the cost
After the first 3 pints of blood, Plan K pays $0 of the cost because Original Medicare covers 100%

Some information shown on this page has been sourced from www.medicare.gov.