Medicare Supplement and Its Benefits
Fill the gaps in Original Medicare with a Medigap plan
What is a Medicare Supplement Plan?
A Medicare Supplement plan — also called Medigap — is private health insurance that helps pay some of the healthcare costs that Original Medicare (Parts A and B) doesn't cover, such as copayments, coinsurance, and deductibles.
Medigap policies are standardized by the federal government. This means that Plan G from one insurance company offers the exact same benefits as Plan G from another company — the only difference is the premium you pay. That's why it's so important to compare rates from multiple carriers.
Key Benefits of Medicare Supplement Plans
Freedom to Choose Your Doctors
With a Medicare Supplement plan, you can see any doctor or specialist who accepts Medicare — no referrals required and no network restrictions.
Predictable Healthcare Costs
Supplement plans help cover the gaps in Original Medicare, so you know what your out-of-pocket costs will be each month.
Guaranteed Renewable
Your policy cannot be cancelled as long as you pay your premiums on time, regardless of your health status.
Nationwide Coverage
Coverage works anywhere in the United States where Medicare is accepted — ideal for retirees who travel or split time between states.
Medicare Supplement Plan Comparison
All standardized Medigap plans and what each covers. A ✓ means the plan covers 100% of that benefit.
| Benefit | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A Coinsurance & Hospital Costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B Coinsurance or Copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓* |
| Blood (First 3 Pints) | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Skilled Nursing Facility Coinsurance | — | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A Deductible | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
| Part B Deductible | — | — | ✓ | — | ✓ | — | — | — | — | — |
| Part B Excess Charges | — | — | — | — | ✓ | ✓ | — | — | — | — |
| Foreign Travel Emergency (up to plan limits) | — | — | 80% | 80% | 80% | 80% | — | — | 80% | 80% |
| Out-of-Pocket Limit | — | — | — | — | — | — | $7,060 | $3,530 | — | — |
* Plan N pays 100% of Part B coinsurance except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't result in inpatient admission. Plans C and F are not available to people who became eligible for Medicare on or after January 1, 2020.
Find the right Medigap plan for your needs