What are the different types of Medicare Supplement plans?

Here are 10 standardized Medicare Supplement plans and what they cover after Original Medicare pays its share:1

= the plan covers 100% of this benefit
X = the plan doesn’t cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
Medigap benefits Plan A Plan B Plan C Plan D Plan F* Plan G* Plan K Plan L Plan M Plan N Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Included Included Included Included Included Included Included Included Included Included Part B coinsurance or copayment Included Included Included Included Included Included 50% 75% Included Included*** Blood (first 3 pints) Included Included Included Included Included Included 50% 75% Included Included Part A hospice care coinsurance or copayment Included Included Included Included Included Included 50% 75% Included Included Skilled nursing facility care coinsurance X X Included Included Included Included 50% 75% Included Included Part A deductible X Included Included Included Included Included 50% 75% 50% Included Part B deductible X X Included X Included X X X X X Part B excess charge X X X X Included Included X X X X Foreign travel emergency (up to limit plans) X X 80% 80% 80% 80% X X 80% 80% Out of pocket limit** N/A N/A N/A N/A N/A N/A $7,060 in 2024 $3,530 in 2024 N/A N/A
* Plans F and G also offer a high‑deductible plan in some states. (Plan F isn't available to people new to Medicare on or after Jan. 1, 2020.) If you get the high‑deductible option, you must pay for Medicare covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,800 in 2024 before your policy pays anything, and you must also pay a separate deductible ($250 per year) for foreign travel emergency services.

** Plans K and L show how much they’ll pay for approved services before you meet your out‑of‑pocket yearly limit and your Part B deductible ($240 in 2024). After you meet these amounts, the plan will pay 100% of your costs for approved 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 an inpatient admission.

Source: Centers for Medicare and Medicaid Services