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
Key:
<core-icon family="nucleus" glyph="check-mark"></core-icon> = 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

* Plans F and G also offer a high-deductible plan in some states. With this 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. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020.)

** 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.

*** 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 inpatient admission.