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Medicare Supplement Insurance Plan Options

4 things to know about Medigap plan options:

  1. There are 10 different types of Medigap plans in most states. Each is named with a different letter.
  2. Medigap plan types with the same letter provide the exact same basic benefits, no matter which company you buy from. Plans with different letters provide different benefits.
  3. The most popular Medigap plan option by far is Plan F.
  4. Premiums vary between different plan options because they offer varying levels of protection.

There are 10 Medigap plan types (also called Medicare Supplement insurance) to choose from. Each has been standardized by the U.S. government and is available in almost every state. (Massachusetts, Minnesota, and Wisconsin have different options.)

Each one of the Medicare Supplement Insurance plan types is named with a letter. Click on one of the following Medicare Supplement Insurance plan letters to learn more about that Medigap plan option:

Plan A Plan B Plan C Plan D Plan F Plan G Plan K Plan L Plan M Plan N

Insurance companies must offer the same benefits for each plan option. For example, one insurer’s Plan C will have the exact same benefits as another insurer’s Plan C. The only difference is price.

There are 9 different benefits that Medigap policies can cover. Each plan has a different combination of those benefits. Plan F has the most coverage and is the only one that includes all 9 benefits. Plan A has the fewest benefits.

Learn more about the basic benefits that each of the Medicare Supplement insurance plan types can cover.

Plan comparison chart

The benefits included in each type of Medigap plan are listed in the chart below. A check mark √ means the plan covers that particular benefit 100%.

Medicare Supplement benefits











Medicare Part A co-insurance and hospital costs

Medicare Part B co-insurance or co-payment



First 3 pints of blood



Part A hospice care co-insurance or co-payment



Co-insurance for skilled nursing facility




Medicare Part A deductible





Medicare Part B deductible




Medicare Part B excess charges



Foreign travel emergency









1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,200 deductible (in 2017) before it covers anything. 2. Plan K has an “Out-of-Pocket” yearly limit of $5,120 (in 2017). 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 $2,560 (in 2017). 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 co-insurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that don’t result in an inpatient admission.

Most-popular types of Medicare Supplement Insurance plans

The most popular Medigap plans are also the ones that provide the most health care coverage.

Plan F is by far the most popular. About 56% of all Medigap plans were Plan F in 2014, according to America’s Health Insurance Plans. It’s also the only Medicare Supplement insurance plan that provides all 9 Medigap health insurance benefits.

The next most popular plan is Plan C. About 10% of all Medigap policies were Plan C in 2014.

The following table shows how popular each of the 10 standardized plans were in 2014.

Rank Plan Share of total*
1 F 56%
2 C 10%
3 N 7%
4 G 6%
5 B 3%
6 D 2%
7 A 2%
8 K 1%
9 L <1%
10 M <1%
*Percentages do not add up to 100% because defunct and waiver state plans are not included.

Medicare SELECT

Medicare SELECT is a less expensive type of Medigap plan that is only available in certain states. Medicare SELECT plans can be any one of the 10 standardized plans. To reduce costs, SELECT plans require the enrollee to use a specified network of health care providers and hospitals in order to gain full insurance benefits.

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We and the licensed agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult