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Medicare Supplement Insurance Plans

Christian Worstell

by Christian Worstell | Published April 22, 2021 | Reviewed by John Krahnert

Medicare Supplement Insurance (Medigap) helps cover some of Original Medicare's out-of-pocket costs, including at least partial coverage for:

  • Medicare Part A coinsurance costs, which can add up quickly for inpatient care in hospitals, skilled nursing facilities or mental health care facilities.
  • Medicare Part B coinsurance, which is typically 20 percent of all Medicare-approved costs of medical services after the Part B deductible has been met.
  • The costs for the first three pints of blood used in a transfusion.
  • Medicare Part A coinsurance or copayment for hospice care.

Medigap Plans Comparison

Use the chart below to compare the basic benefits of all 10 standardized Medigap plans.

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Medicare Supplement Benefits

Part A coinsurance and hospital coverage

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

First 3 pints of blood

Skilled nursing facility coinsurance

Part A deductible

Part B deductible

Part B excess charges

Foreign travel emergency

Medicare Supplement Benefits A B C* D F1* G1 K2 L3 M N4
Part A coinsurance and hospital coverage
Part B coinsurance or copayment 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
First 3 pints of blood 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%

* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

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1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $6,620 in 2022. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,310 in 2022. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.

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Additional Medicare Supplement Insurance Information

As you compare Medigap plans and consider purchasing Medicare Supplement Insurance, keep the following information in mind:

  • Your spouse will need a separate Medigap plan if he or she also wants Medicare Supplement Insurance benefits.
  • The basic benefits of Medigap plans are standardized. For example, one insurance company selling Medigap Plan F must offer the same basic benefits as a different company selling Medigap Plan F in another state.
  • If you develop a health issue while enrolled in a Medigap policy, your policy can still be renewed. As long as you continue to pay your Medicare Supplement Insurance plan premiums on time, your policy is guaranteed renewable.
  • If you’re enrolled in a Medicare Advantage plan, you cannot also have a Medigap plan at the same time.
  • The most comprehensive Medigap plan is Plan F. It’s the only plan that offers coverage for all nine benefit areas. 

Speak with a licensed agent at 1-800-995-4219, or read through our Medigap Comparison Guide to learn more.

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