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Medigap Plan Benefits Chart

Medicare Supplement insurance, also known as Medigap insurance, may help cover your Original Medicare (Part A and Part B) out-of-pocket costs, such as deductibles and coinsurance. In most states, there are 10 standardized Medigap plans, each with a letter designation (Medigap Plan A, Medigap Plan B, and so on). Massachusetts, Wisconsin, and Minnesota have their own standardized plans not covered in this article.

Each lettered plan offers the same benefits no matter where you buy the plan (although prices and availability may vary). For example, a Medigap Plan M in Texas has the same benefits as a Medigap Plan M in Colorado. But the different lettered plans cover different portions of Original Medicare costs, as you can see in the following chart.Also, please note that some companies may offer additional innovative benefits.

Please note that Medigap plans are different from the "parts" of Medicare. That is, Medicare Part A, Part B, Part C, and Part D are not the same as Medigap Plan A, Medigap Plan B, Medigap Plan C, and Medigap Plan D.

Medigap benefit Medigap lettered plans
A B C D F* G K L M N
Medicare Part A coinsurance and hospital costs up to one more year after Medicare benefits are depleted Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Medicare Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes**
First three pints of blood Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice copayment or coinsurance (Medicare Part A) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Medicare Part A Deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Medicare Part B deductible No No Yes No Yes No No No No No
Medicare Part B excess charges No No No No Yes Yes No No No No
Foreign travel emergency (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit*** None None None None None None $4,960 (in 2016) $2,480 (in 2016) None None

*There's also a high-deductible version of Medigap Plan F. Under high-deductible Medigap Plan F, you pay for all Medicare-covered costs until you've paid the $2,180 deductible (in 2016) before your Medigap plan starts paying your Medicare out-of-pocket expenses.

**Medicare Supplement Plan N pays your Medicare Part B coinsurance in full, with some exceptions. Office visits in certain situations may require a copayment of up to $20. Also, if you go to a hospital emergency room and don't get admitted as an inpatient, you might pay a copayment of up to $50.

***After you have reached the annual out-of-pocket spending limit and paid your Medicare Part B deductible, your Medicare Supplement plan pays for all Medicare-covered costs for the remainder of the calendar year.

Medigap plans are available from private insurance companies. Prices and availability may differ from one insurance company to the next, and across geographic regions.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

eHealthInsurance is operated by eHealthInsurance Services, Inc., a licensed health insurance agency certified to sell Medicare products.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

Last Updated Date: 11/5/2016

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