Compare Medicare Supplement Plans Side by Side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you. 

Compare Medicare Supplement plans side-by-side
The chart below shows basic information about the different benefits Medigap policies cover.
Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

Medigap Benefits and Medigap Plans

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

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      Yes                    Yes                      Yes                      Yes

Part B coinsurance or copayment

Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      50%                   75%                    Yes                      Yes***

Blood (first 3 pints)

Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      50%                   75%                    Yes                      Yes

Part A hospice care coinsurance or copayment

Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      50%                   75%                    Yes                      Yes

Skilled nursing facility care coinsurance

No                        No                      Yes                      Yes                      Yes                      Yes                      50%                   75%                    Yes                      Yes

Part A deductible

No                        Yes                      Yes                      Yes                     Yes                      Yes                      50%                    75%                   50%                     Yes

Part B deductible

No                        No                       Yes                       No                     Yes                      No                       No                      No                      No                       No

Part B Excess charge

No                        No                        No                       No                      Yes                     Yes                      No                      No                      No                       No

Foreign travel exchange (up to plan limits)

No                        No                        80%                     80%                    80%                    80%                    No                      No                      80%                    80%

Out-of-pocket limit**

N/A                      N/A                        N/A                     N/A                     N/A                      N/A                     $6,620 in 2022    $3,310 in 2022    N/A                     N/A

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.
 
Source: www.medicare.gov
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