The 10 Medigap Plans

Medicare Supplement insurance (also called Medigap) is private insurance that helps fill the “gaps” left in Original Medicare, Part A and Part B. Medigap helps you pay for costs such as Original Medicare’s deductibles and copayments, which can add up over the year.

In most states, these plans come in 10 standardized types, meaning that each Medigap plan of the same name offers the same benefits, no matter which insurance company you get it from. They are also standardized in 47 of the states (Massachusetts, Minnesota, and Wisconsin offer their own Medicare Supplement plans). So, for example, if you choose a Medicare Supplement Plan F in one of those 47 states, it will have the same benefits as a Medicare Supplement Plan F from another company or in another state. However, Medicare Supplement premiums may vary, and insurance companies aren’t required to offer all 10 of the Medigap plans.

Here is a comparison of benefits available in the 10 standardized Medicare Supplement plans:

How to Read This Chart:

  • The benefit is fully covered.
  • %The benefit is covered up to the indicated percentage.
  • Click for more information about this benefit.

2015 Medicare Supplement Plans

Medigap Plan Benefits Plan A Plan B Plan C Plan D Plan F* Plan G Plan K Plan L Plan M Plan N
2016 Out-of-Pocket Limit**
$ 4960 $ 2480
Part A coinsurance hospital costs up to an additional 365 days after Medicare benefits are exhausted
Part B copayment or coinsurance 50% 75% ***
First 3 pints of blood 50% 75%
Part A hospice care coinsurance/copayment 50% 75%
Part A deductible 50% 75% 50%
Skilled nursing facility care coinsurance 50% 75%
Foreign travel emergency coverage (up to plan limits) 80% 80% 80% 80% 80% 80%
Part B deductible
Part B “excess charges”

* There is also a high-deductible version of Plan F in which beneficiaries pay for Medicare-covered costs up to a $2,180 (in 2016) deductible amount before the plan begins coverage.

** After the out-of-pocket limit and annual Part B deductible are reached for Medigap Plans K or L, the plan pays 100% of covered services for the remainder of the calendar year.

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

After comparing Medigap plan options, you can get help choosing a plan that suits you through one of the following methods.

Contact the Medicare plan directly.

Call 1-800-MEDICARE (1-800-633-4227)
TTY users 1-877-486-2048
24 hours a day, 7 days a week

Contact a licensed insurance agency such as eHealth.

Call eHealth’s licensed insurance agents at
1-888-391-2659, TTY users 711
Monday through Friday, 8AM to 11PM ET, Saturday through Sunday, 8AM to 9PM ET.

You may receive a messaging service on weekends and holidays from February 15 through September 30.
Please leave a message and your call will be returned the next business day.

Or visit eHealthMedicarePlans.com and enter your zip code where requested to see a quote.

Medicare has neither reviewed nor endorsed this information.

To learn about Medicare plans you may be eligible for, you can:

  • Contact the Medicare plan directly.
  • Call 1-800-MEDICARE (1-800-633-4227), TTY users 1-877-486-2048; 24 hours a day, 7 days a week.
  • Contact a licensed insurance agency such as Medicare Consumer Guide’s parent company, eHealth.
    • Call eHealth's licensed insurance agents at 888-391-2659, TTY users 711. We are available Mon - Fri, 8am - 8pm ET. You may receive a messaging service on weekends and holidays from February 15 through September 30. Please leave a message and your call will be returned the next business day.
    • Or enter your zip code where requested on this page to see quote.

Compare Medicare Plans