These plans (sometimes called “Medigap” insurance) may help pay some of the healthcare costs that Medicare Parts A and B do not, like coinsurance, copayments or deductibles. Depending on the state where you live, you could get 6% off your monthly premium if you enroll online. (Discount not available in CA, CT, OH and PA.)
Plans A through G generally provide benefits at higher premiums with limited out-of-pocket costs compared to Plans K through N. Plans K through N are cost-sharing plans offering similar benefits at lower premiums with greater out-of-pocket costs.
Individuals eligible for Medicare due to attaining age 65, and those under age 65 eligible for Medicare due to disability or end stage renal disease, on or after January 1, 2020, may not purchase a Plan C, F or High Deductible Plan F.
This chart shows basic information about the benefits that Medigap plans cover. If a percentage appears, the Medigap plan covers that percentage of the benefit and you pay the rest. If a box is blank, the plan doesn't cover that benefit. Plans A through G generally provide benefits at higher premiums with limited out-of-pocket costs compared to Plans K through N. Plans K through N are cost-sharing plans offering similar benefits at lower premiums with greater out-of-pocket costs. If you live in Massachusetts, Minnesota or Wisconsin, your Medicare Supplement policy may be called something different than "Medicare Supplement Plans A through N".
Plan Benefits | Plan A | Plan B | Plan C | Plan F* | Plan K | Plan L | Plan N | |
|---|---|---|---|---|---|---|---|---|
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
Medicare Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100%*** |
Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% |
Skilled Nursing Facility Care coinsurance | 100% | 100% | 100% | 50% | 75% | 100% | ||
Medicare Part A deductible | 100% | 100% | 100% | 100% | 50% | 75% | 100% | |
Medicare Part B deductible | 100% | 100% | ||||||
Medicare Part B excess charges | 100% | 100% | ||||||
Foreign Travel Emergency (up to plan limits) | 80% | 80% | 80% | 80% | ||||
Out-of-pocket limit** | $7,220 in 2025
| $3,610 in 2025
|
* 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 $2,870 in 2025 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 ($257 in 2025). 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
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