Compare Medigap plans side by side
Medigap policies are standardized
Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance." Insurance companies can sell you only a "standardized" policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
Compare Medigap plans side-by-side
The chart below shows basic information about the different benefits Medigap policies cover.
Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
|
Medigap Benefits |
Medigap Plans |
|||||||||
|
A |
B |
C |
D |
F* |
G |
K |
L |
M |
N |
|
|
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Part B coinsurance or copayment |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes*** |
|
Blood (first 3 pints) |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes |
|
Part A hospice care coinsurance or copayment |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes |
|
Skilled nursing facility care coinsurance |
No |
No |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes |
|
Part A deductible |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
50% |
Yes |
|
Part B deductible |
No |
No |
Yes |
No |
Yes |
No |
No |
No |
No |
No |
|
Part B excess charges |
No |
No |
No |
No |
Yes |
Yes |
No |
No |
No |
No |
|
Foreign travel exchange (up to plan limits) |
No |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
Yes |
|
Out-of-pocket limit** |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
$4,940 |
$2,470 |
N/A |
N/A |
Source: www.medicare.gov
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