Medicare Supplement Insurance (also called Medigap) can help cover the costs of deductibles, copayments, coinsurance and other fees associated with Original Medicare (Part A and Part B). Compare the basic benefits of the 10 standardized Medigap plans listed below to find the right plan for your needs.
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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
| Medicare Supplement Benefits | A | B | C* | D | F 1 * | G 1 | K 2 | L 3 | M | N 4 |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital coverage | ||||||||||
| Part B coinsurance or copayment | 50% | 75% | ||||||||
| Part A hospice care coinsurance or copayment | 50% | 75% | ||||||||
| First 3 pints of blood | 50% | 75% | ||||||||
| Skilled nursing facility coinsurance | 50% | 75% | ||||||||
| Part A deductible | 50% | 75% | 50% | |||||||
| Part B deductible | ||||||||||
| Part B excess charges | ||||||||||
| Foreign travel emergency | 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.
1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,800 in 2024. 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 $7,060 in 2024. 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 $3,530 in 2024. 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.
Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) offer benefits that help cover services such as hospital stays, doctor visits and preventive care — but they often come at a price.
Medicare Part B also comes with a monthly premium. The standard Part B premium in 2024 is $174.70 per month.
Medicare Supplement Insurance can help cover some of these costs:
Each of the nine Medigap health insurance plans cover the first four basic benefits listed above. Plans may cover some, all or none of the five additional benefits — partially or in full.
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
Medicare Supplement (Medigap) and Medicare Advantage plans are two very different types of Medicare plans. Compare each type of coverage to find out which may be the best for your needs. Read more
Medicare Part D plans cover prescription drugs. Use this guide to learn what you should know about Medicare prescription drug benefits and find plans that may cover your drugs and may be accepted at your preferred pharmacy. Read more
The primary requirement for Medicare eligibility is reaching age 65. People with certain disabilities or conditions may also qualify for Medicare coverage. Read more
Are you under age 65 and have Medicare because of a disability? You may be eligible to purchase Medicare Supplement Insurance. Learn more and compare plans. Read more
Most beneficiaries will be automatically enrolled in Original Medicare when they turn 65. Learn more about Medicare eligibility and enrollment requirements Read more
Find out the average cost of Medicare Supplement Insurance (Medigap) Plan N, Plan F and Plan G by age, from 64 to 85. Learn the average cost for your age. Read more
Learn about Medicare Supplement (Medigap) plans in your state. Find out about eligibility, enrollment, costs, coverage and more by clicking on your state. Read more
Medicare's out-of-pocket expenses can cost thousands of dollars per year for beneficiaries. Here's what you can do. Read more
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