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Compare Medicare Supplement plans side-by-side

The chart below shows basic information about the different benefits Medigap policies cover.

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 charge
  • Foreign travel exchange (up to plan limits)
  • 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 charge
  • Foreign travel exchange (up to plan limits)
  • 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 charge
  • Foreign travel exchange (up to plan limits): 80%
  • 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 charge
  • Foreign travel exchange (up to plan limits): 80%
  • 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 charge
  • Foreign travel exchange (up to plan limits): 80%
  • 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 charge
  • Foreign travel exchange (up to plan limits): 80%
  • 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
  • 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 charge
  • Foreign travel exchange (up to plan limits)
  • Out-of-pocket limit**: $6,940 in 2023
Plan L
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • 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 charge
  • Foreign travel exchange (up to plan limits)
  • Out-of-pocket limit**: $3,470 in 2023
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%
  • Part B deductible
  • Part B Excess charge
  • Foreign travel exchange (up to plan limits): 80%
  • 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 charge
  • Foreign travel exchange (up to plan limits): 80%
  • Out-of-pocket limit**: N/A

* 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 $2,700 in 2023 before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for 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, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for 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 inpatient admission.

 

Source: www.medicare.gov

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