Medigap Plans Comparison

What is Medigap?

Medigap is private supplemental insurance that can help pay certain deductibles, coinsurance, and copayments under Original Medicare. It does not pay Medicare Advantage cost sharing. Benefits of a given lettered plan are standardized in most states, but premiums and availability vary, and Massachusetts, Minnesota, and Wisconsin have different standardization rules.

Selected plan differences

Plan G covers many listed Medicare cost-sharing benefits but does not cover the Part B deductible. Not everyone can buy Plan F or Plan C; eligibility depends on when they first became eligible for Medicare.

Plan N does not cover the Part B deductible or Part B excess charges. It may require copayments up to $20 for some office visits and up to $50 for emergency room visits when you are not admitted as an inpatient.

Plans K and L cover different percentages of certain benefits and have annual out-of-pocket limits. After you meet the plan’s limit and the annual Part B deductible, the plan pays 100% of covered services for the rest of the calendar year. K and L are not the high-deductible plans: high-deductible versions of Plans F and G are offered in some states.

When to buy

The six-month Medigap Open Enrollment Period generally starts when you are at least 65 and enrolled in Part B. Protections and options outside this period can depend on your situation and state. Check Medicare’s information and available policies before choosing.

Source: Medicare.gov: compare Medigap plan benefits. See also Medigap basics and enrollment.