Medicare Supplement Insurance plans (Medigap)

Supplement your Original Medicare coverage

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Medigap Plans

Join the millions of seniors with a Medicare Supplement Insurance plan.

Medicare Supplement Insurance plans, also known as Medigap plans, cover many of your Medicare Part A and B out-of-pocket costs, such as deductibles and coinsurance. Whether you prefer lower premiums or lower out-of-pocket costs, there’s a Medigap plan that could be right for you.

~41%

of Medicare fee-for-service beneficiaries have a Medigap policy*

14.6M

in a Medicare Supplement Insurance plan*

2.3x

less likely to have problems paying medical bills compared to enrollees without Medigap*

F, G, N are the most popular Medicare Supplement plans

Medigap plans by the letter

Options with lower out-of-pocket costs

Plans A and B

Medicare Supplement Insurance Plans A and B cover basic coinsurance and copayment costs for hospitalization, medical expenses, and hospice care. Medicare Supplement Plan B provides additional coverage for Part A deductibles.

Plans C and D

Medicare Supplement Insurance Plans D and C help with out-of-pocket costs left from Original Medicare, like coinsurance, copayments, the Medicare Part A deductible, and emergency care abroad. Plan C also covers the Medicare Part B deductible, but Medicare Supplement Insurance Plan C is only available to those who were eligible for Medicare prior to January 1, 2020.

Plan F

Medicare Supplement Insurance Plan F is only available to those who were eligible for Medicare prior to January 1, 2020. Plan F helps with out-of-pocket costs left from Original Medicare, like coinsurance and deductibles, plus coverage for Medicare Part A and B deductibles, emergency care abroad, and 100% of Part B excess charges (charges above what Medicare will pay.) A high-deductible option is available that can lower your premiums.

Plans G

Medicare Supplement Insurance Plan G helps with out-of-pocket costs left from Original Medicare, like coinsurance and deductibles, plus coverage for additional costs like Part A deductibles, emergency care abroad, and Part B excess charges—this is the difference between what a provider charges and the amount Medicare will pay up to Medicare’s limiting amount. A high-deductible option is available for a lower premium.

Options with lower premiums

Plans K and L

Medicare Supplement Insurance Plans K and L cover a range of medical costs, including doctors’ services and hospital care. The plans pay a percentage of your costs, and then you are responsible for the remainder. Each Medicare Supplement Plan K and L has its own out-of-pocket maximum, which limits the amount you have to pay each year.

Plan N

Medicare Supplement Insurance Plan N includes an office copayment and an emergency room copayment. Medicare Supplement Insurance Plan N also covers Medicare Part A deductibles, skilled nursing care coinsurance, and emergency care abroad.

Compare Medigap plans side by side

Medigap Benefits

A

B

D

G1

K

L

M

N

C

F1

Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits are used up

100%

100%

100%

100%

100%

100%

100%

100%

100%

100%

Part B coinsurance or copayment

100%

100%

100%

100%

50%

75%

100%

100%2

100%

100%

Blood: first 3 pints

100%

100%

100%

100%

50%

75%

100%

100%

100%

100%

Part A hospice care coinsurance or copayment

100%

100%

100%

100%

50%

75%

100%

100%

100%

100%

Skilled nursing facility care coinsurance

100%

100%

50%

75%

100%

100%

100%

100%

Part A deductible

100%

100%

100%

100%

50%

75%

50%

100%

100%

100%

Part B excess charge

100%

100%

100%

100%

100%

100%

100%

100%

100%

Foreign travel exchange up to plan limits

80%

80%

80%

80%

80%

80%

Out-of-pocket limit³

$7,060

$3,530

Based on 2024 costs | Plans C and F are available to those who were eligible for Medicare before January 1, 2020. Contact an agent for more information about these plans

1 Enrollees in high-deductible Plan G and Plan F must pay for their Medicare-covered costs up to the deductible amount before the plan begins to pay.
2 Plan N pays 100% of the Part B coinsurance, excluding copayments for some office visits and ER visits that don’t lead to inpatient admission.
3 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.

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