Medigap Policy Chart
See the chart below for the benefits offered by each Medigap plan.
The Medicare Supplement chart below shows the 10 standardized Medicare Supplement plans. These plans can be offered by insurance companies in most states.
*Wisconsin, Minnesota and Massachusetts have different options though.*
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future.
You might not be able to switch Medigap policies later.
100% = Plan Covers 100%
X= Plan Doesn't Cover
% = The Percentage the Plan Does Cover
* 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. (You can’t buy Plans C and F if you were new to 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 ($233 in 2022), the Medigap plan pays 100% of covered services for the rest of the calendar year.
***Plan N pays 100% of the Part B coinsurance. You must pay 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 an inpatient admission.
​
​
What are the different Medicare Supplements Plans?
Each Medicare Supplement plan in the chart above has a letter, A – N. Each plan letter provides a different set of benefits. However, each lettered plan must have the same standardized coverage regardless of which insurance company you choose. For example, Medicare Supplement Plan N at Blue Cross Blue Shield has the same benefits as Plan N from United Healthcare.
There is one supplemental insurance plan that covers ALL OF the gaps, leaving you with nothing out of pocket, Plan F. There are others where you agree to do some cost-sharing and in return you get a lower monthly premium. If you prefer something like this, in the middle, you could look at Plans G or N where you pay a few things yourself, in exchange for lower premiums.