We've been helping people find their perfect Medicare plan for over 10 years.

Comparing the Medicare Supplement Insurance Plans of 2017

For the most up-to-date information, check out our guide to the Best Supplemental Insurance for Medicare 2018.

Why is it important to compare Medicare Supplement Insurance plans? Because the best plan for one person may not be the best plan for someone else.

In most states, you can choose from 10 standardized Medigap plans, which are labeled A, B, C, D, F, G, K, L, M and N (Massachusetts, Minnesota and Wisconsin have different options). But finding the right Medicare Supplement Insurance plan to fit your needs depends largely on the level of coverage you need, your age and where you live. Learn more about the 2017 Medigap plans below.

2017 Medigap Comparison Chart

The Medicare Supplement Insurance comparison chart below is a breakdown of all 10 standardized Medigap plans available in 2017. 

2017 Medigap Plans Chart

Medigap plans can cover up to nine basic benefits, and each type of plan offers a different combination of basic benefits.

No matter which Medigap plan you enroll in, however, you will receive at least partial coverage for:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Medicare Part A hospice care coinsurance or copayment

Medigap Plans With Comprehensive Coverage 

The following Medigap Plans provide at least partial coverage for eight or more basic benefits:

  • Medigap Plan F
  • Medigap Plan C
  • Medigap Plan G

Medigap Plan F is the only Medigap plan that provides coverage for all nine benefit areas, and although it is usually the most expensive Medigap plan, it remains the most popular. 

Medigap Plan C provides the same basic benefits as Plan F, except it does not cover Medicare Part B excess charges.

Medigap Plan G provides the same basic benefits as F, except it does not cover the Medicare Part B deductible.

Medigap Plans With Moderate Coverage

The following Medigap plans provide at least partial coverage for seven of the nine basic benefits:

  • Medigap Plan D
  • Medigap Plan M
  • Medigap Plan N

Medigap Plan D provides coverage for all basic benefits except Medicare Part B excess charges and the Medicare Part B deductible.

Medigap Plan M provides coverage for all basic benefits except the Medicare Part B deductible and excess charges. It also only covers 50 percent of the Medicare Part A deductible.

Medigap Plan N provides the same benefits as Medigap Plan M, except it covers 100 percent of the Medicare Part A deductible.

Medigap Plans With Limited Coverage

Not everyone needs a comprehensive Medigap plan, and choosing a plan with limited coverage can help keep your monthly premiums more affordable. The Medigap plans with limited coverage include:

  • Medigap Plan A
  • Medigap Plan B
  • Medigap Plan K
  • Medigap Plan L

Medigap Plan A is the most basic Medigap plan and only provides coverage for the first four basic benefits (Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance or copayment, First three pints of blood, Part A hospice care coinsurance or copayment).

Medigap Plan B provides coverage for the first four basic benefits and the Medicare Part A deductible.

Medigap Plan K only provides 100 percent coverage for the Medicare Part A coinsurance and hospital costs, and 50 percent coverage for:

  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Part A hospice care coinsurance or copayment
  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible

Medigap Plan L provides the same coverage as Plan K, except it covers 75 percent of the benefits listed above rather than 50 percent.

Comparing Medigap Costs

Once you decide which Medigap plan may be best for you, it’s time to compare costs. Medicare Supplement Insurance is sold on the private marketplace and plan prices can vary from one insurer to the next. But instead of calling around to each insurer individually, the easiest way to compare quotes is to contact a licensed agent at 888-264-0148 to learn which plans are available in your area at what price. 

2017 Medicare Costs

About 55 million Americans are Medicare recipients. But the out-of-pocket costs associated with Original Medicare (Part A and Part B) can sometimes be high.

In 2017, some of the health care costs that come with Original Medicare include:

  • Medicare Part A deductible of $1,316 per deductible period (with no limit to the number of deductible periods you may experience in a year)
  • $329 Part A coinsurance per day for days 61-90 of an inpatient hospital stay per benefit period
  • $658 Part A coinsurance per day for each Medicare lifetime reserve day after day 90 of an inpatient hospital stay per benefit period
  • Medicare Part B deductible of $183 per year
  • Medicare Part B coinsurance for medical services (typically 20% of the Medicare approved amount)
  • Medicare Part B excess charges

There are some additional health care costs that are not covered by Original Medicare. This is why so many Medicare beneficiaries purchase a Medicare Supplement Insurance plan to help cover some of these costs.

Buying Medicare Supplement Insurance in 2017

For some, Medigap Plan F may be the most desirable plan because it offers the most comprehensive coverage. But with potentially higher costs, Plan F might not the right plan for everyone, especially as Medigap Plan G and Plan C offer many of the same basic benefits.

Understanding your health care needs might seem tough, but calling a licensed agent can make the process easier. Our licensed insurance agents are based in the United States and can help you compare policies, find free quotes and enroll in the right plan for your needs. 

To learn more about Medicare Supplement Insurance, read through our Medigap comparison guide or call a licensed agent at 1-888-264-0148.

 

1 https://www.medicare.gov/your-medicare-costs/costs-at-a-glance/costs-at-glance.html#collapse-4809

I want to compare Medicare Supplement Plans.

Start Online
Or chat about my options with an agent:1-888-264-0148

Resource Center

Comparing the Right Medicare Supplement Insurance Plans in 2017

Finding the right Medicare Supplement Insurance plan in 2017 comes down to comparing the basic benefits of each plan and finding the best fit for your needs.

Read More

Finding the Right Medicare Supplement Insurance Plans (2017)

The right Medicare Supplement Insurance plan is the one that provides the benefits you need at a price you can afford. Here are your 2017 options.

Read More

Comparing Medicare Supplement Insurance Plans and Costs

Medicare Supplement Insurance plan costs will vary based on provider, location and your age. Learn more and compare free Medigap plan quotes.

Read More

Compare Medicare Supplement Insurance Plan Options

Medicare Supplement Insurance can help cover some of the health care costs that come with Original Medicare. Compare plan benefits today.

Read More

Medicare Supplement Insurance Plans of 2017

Medicare Supplement Insurance Plan F is the most popular plan option on the market. Licensed insurance agents can help you compare plan rates.

Read More

Medicare Supplement Insurance Comparison

Before you select a Medicare Supplement Insurance policy, compare the basic benefits of each. This chart can help.

Read More

Medicare Supplement Insurance Plans | Weigh Your Options

When planning for Medicare, be certain to study all your options, including Medicare Supplement Insurance. We can help.

Read More

Medigap Plans Comparison Chart

There are 10 standardized Medigap plans. Use this chart to compare the basic benefits of each type of Medicare Supplement Insurance and request free quotes.

Read More

Medicare Supplement Insurance Companies | Compare Free Quotes

Medicare Supplement Insurance is sold by private insurance companies to help cover some of Original Medicare's out-of-pocket costs. Learn more and compare free quotes.

Read More