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Medicare Supplement Comparison
Compare Medicare Supplement plans side-by-side

The table below shows the different benefits that each standard Medigap policy covers.

 

Crossed Out = the policy doesn’t cover that benefit

 

% = The plan covers that percentage of this benefit

 

N/A = Not applicable

Plan A
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit** (N/A)
Plan B
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit** (N/A)
Plan C
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan D
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan F*
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan G*
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan K
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up: 100%
  • Part B coinsurance or copayment: 50%
  • Blood (first 3 pints): 50%
  • Part A hospice care coinsurance or copayment: 50%
  • Skilled nursing facility care coinsurance: 50%
  • Part A deductible: 50%
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit: $8,000 in 2026
Plan L
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up: 100%
  • Part B coinsurance or copayment: 75%
  • Blood (first 3 pints): 75%
  • Part A hospice care coinsurance or copayment: 75%
  • Skilled nursing facility care coinsurance: 75%
  • Part A deductible: 75%
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency
  • Out-of-pocket limit: $4,000 in 2026
Plan M
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible (50% of costs)
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)
Plan N
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part B coinsurance or copayment***
  • Blood (first 3 pints)
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency (up to 80% of costs, up to plan limits)
  • Out-of-pocket limit** (N/A)

*Plans F and G also offer a high-deductible option. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $(starting in 2026) before your policy pays anything. (Plans C & F aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled.)

 

** 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.

 

*** With Medigap Plan N, you pay a Part B copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that doesn't result in inpatient admission.

 

Source: www.medicare.gov

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