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Compare Medicare Supplement Insurance Plans

Christian Worstell

by Christian Worstell | Published March 30, 2021 | Reviewed by John Krahnert

Medigap plans, also known as Medicare Supplement Insurance plans, can help cover some of the out-of-pocket health care costs that aren't paid for by Original Medicare (Part A and Part B). These costs can include deductibles, copayments, coinsurance and other expenses.

10 Standardized Medigap Plan Types

Medicare Supplement Insurance plans are available in most states, sold by private insurers that have been approved by the U.S. government. Most states offer 10 standardized Medigap plan types (Massachusetts, Minnesota and Wisconsin have plans that are standardized differently from the other states).

Use the chart below to compare the basic benefits of each type of Medicare Supplement Insurance plan.

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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 $2,370 in 2021. 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 $6,220 in 2021. 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 $3,110 in 2021. 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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Each of the 10 types of standardized Medigap policies must offer at least four basic benefits that cover the costs of:

  • Part A coinsurance for hospital care (and an additional 365 days for hospital stays)
  • Part A coinsurance or copayment for hospice care
  • Part B coinsurance or copayment
  • Three pints of blood

If you receive Original Medicare health insurance benefits and buy a Medigap policy, your Medicare plan will first cover its share of costs. Your Medicare Supplement Insurance plan will then pay its share. Assuming that you’re paying your Medigap premiums on time, the insurance company is required to renew your policy, regardless of any health issues.

When Can Medicare Beneficiaries Buy Medigap Policies?

Your first — and best — opportunity to buy a Medigap plan is during your six-month Medigap open enrollment period. During your open enrollment period, insurance companies can’t deny you coverage or charge you more for your premiums due to any health issues or pre-existing conditions. Your open enrollment period begins when you’re both 65 and are enrolled in Medicare Part B.

You may be able to purchase a Medigap plan if you’re under 65 and receive Medicare benefits due to a disability. Not every state requires insurance companies to sell Medigap policies to people under 65. 

If you're 64.5 or older and ready to start comparing Medigap quotes, contact a licensed agent today at 1-800-995-4219.

Resource Center

Compare Medigap Plans 2021

See how the 10 Medigap plans differ. Review our chart for a detailed comparison of Medicare Supplement insurance benefits and compare Medigap options where you live. Read more
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