Medigap Plans A–N Compared

Medicare Supplement insurance, also called Medigap, can help pay certain out-of-pocket costs in Original Medicare. It does not replace Original Medicare and cannot be used with Medicare Advantage.

• You generally need Medicare Part A and Part B before buying Medigap.
• Plans with the same letter generally provide the same standardized benefits, although premiums and service can differ.
• Modern Medigap policies do not include Part D prescription drug coverage.
• The yearly Medicare Open Enrollment period for Medicare Advantage and Part D is not a recurring Medigap enrollment period.

Browse Plans A–N

• Plan A
• Plan B
• Plan C
• Plan D
• Plan F
• Plan G
• Plan K
• Plan L
• Plan M
• Plan N

Compare every plan. On smaller screens, swipe or scroll left and right. With a keyboard, focus the table and use the arrow keys.

Plans K and L have annual out-of-pocket limits that change each year. High-deductible Plan F and Plan G may also be offered; their deductible changes annually. Check the current Medicare.gov comparison and insurer materials before applying.

Medigap Plan A

Covers the core standardized benefits: Part A coinsurance and additional hospital days, Part B coinsurance or copayments, the first three pints of blood, and Part A hospice cost-sharing.

Medigap Plan B

Covers the Plan A core benefits and the Medicare Part A deductible.

Medigap Plan C

Adds skilled nursing facility coinsurance, the Part A and Part B deductibles, and foreign-travel emergency benefits. It does not cover Part B excess charges and is unavailable to people newly eligible for Medicare on or after January 1, 2020.

Medigap Plan D

Covers most standardized gaps, including skilled nursing facility coinsurance, the Part A deductible, and foreign-travel emergencies, but not the Part B deductible or Part B excess charges.

Medigap Plan F

Covers all benefits in the standardized comparison, including the Part B deductible and Part B excess charges. It is unavailable to people newly eligible for Medicare on or after January 1, 2020. A high-deductible option may be offered to qualifying beneficiaries.

Medigap Plan G

Covers the same standardized benefit categories as Plan F except the Part B deductible. A high-deductible option may be offered.

Medigap Plan K

Pays 50% of several cost-sharing benefits and 100% of Part A hospital coinsurance and additional days. After the annual out-of-pocket limit and Part B deductible are met, it pays 100% of covered services for the rest of the calendar year.

Medigap Plan L

Pays 75% of several cost-sharing benefits and 100% of Part A hospital coinsurance and additional days. After the annual out-of-pocket limit and Part B deductible are met, it pays 100% of covered services for the rest of the calendar year.

Medigap Plan M

Covers the core benefits, skilled nursing facility coinsurance, 50% of the Part A deductible, and foreign-travel emergencies. It does not cover the Part B deductible or Part B excess charges.

Medigap Plan N

Covers most standardized benefits but not the Part B deductible or excess charges. It may require up to a $20 copayment for some office visits and up to $50 for an emergency-room visit that does not result in inpatient admission.

Reviewed by BGA’s in-house compliance team. Last reviewed August 24, 2026. Effective year: 2026.

Official sources

• Medicare.gov: Compare Medigap plan benefits
• Medicare.gov: Medigap basics
• Medicare.gov: When to buy Medigap
• CMS: High-deductible Medigap amounts