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Top-Rated Medicare Supplement Plans

Medicare Supplement Insurance (Medigap) plans help cover some of the out-of-pocket costs of Original Medicare. Because Medigap plans are standardized by the federal government, they are not rated. However, some Medigap plans are more popular than others.

Read on to learn about some of the most popular Medigap plans to decide if any of them are a good fit for you. 

3 Popular Medigap Plans

Rather than shop for top-rated Medicare Supplement plans, it may be more helpful to look at Medigap plans that are the most popular among seniors. Below, we look at three popular Medigap plans.

1. Medigap Plan F

Medigap Plan F is the most popular Medicare Supplement Insurance plan. This is likely because it is the most comprehensive Medigap policy available today, providing coverage for all nine of Medigap's basic benefit areas.  

Medigap Plan F provides 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
  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charge
  • 80% of foreign travel emergency care

2. Medigap Plan G

Another popular Medigap plan is Medigap Plan G. Medigap Plan G provides almost the same benefits as Medigap Plan F, but is usually less expensive. 

Medigap Plan G provides 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
  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible
  • Medicare Part B excess charge
  • 80% of foreign travel emergency care

The only difference in benefits between Medigap Plan F and Medigap Plan G is that Plan G does not provide coverage for your Medicare Part B deductible, which is $185 per year in 2019.1

3. Medigap Plan C

Medigap Plan C is another popular option, featuring almost the same benefits as Medigap Plan G. 

Medigap Plan C provides 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
  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible
  • Medicare Part B deductible
  • 80% of foreign travel emergency care

The only difference in benefits between Medigap Plan C and Medigap plan G is that Medigap Plan C provides coverage for your Medicare Part B deductible (Plan G does not), and Medigap Plan C does not provide coverage for Medicare Part B excess charges (Plan G does). 

Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.

Other Plan Options

Keep in mind that you are not limited to the most popular Medigap plans, and the right plan for someone else may not be the right plan for you. Instead of searching for the top-rated Medicare Supplement Insurance plans, the better option may be to consider what benefits you need.

When shopping, ask yourself which out-of-pocket costs concern you the most. Are you concerned about paying your Medicare Part B coinsurance? Your excess charges? Your skilled nursing facility coinsurance?

Choose a plan that provides coverage in the areas that are most important to you.

The chart below shows all 10 standardized Medigap plans and the basic benefits of each to help you compare. 

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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

A B C* D F1* G1 K2 L3 M N4
50% 75%
50% 75%
50% 75%
50% 75%
50% 75% 50%
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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If you aren't sure which option will work for you, a licensed agent can help. Our agents are trained to help you find the right policy for your needs and answer all of your questions along the way.

A licensed agent can help you decide on a Medicare option that works for you. Call today to speak with a licensed agent and compare the Medigap plans that are available where you live.

 

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Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.

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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