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Medicare Supplement (Medigap) Plan Comparison Chart

The 12 different Medicare Supplement (Medigap) plans have standardized benefits across each plan letter. For example, Medigap Plan A will have the same benefits regardless of which state you live in or which insurance company you buy from. If you live in Massachusetts, Minnesota, or Wisconsin, the Medigap plans in these states are standardized differently.

How to read the chart:
If “100%” appears in a row on this chart, the Medigap policy covers 100% of the benefit. If a row lists a percentage, the Medicare Supplement policy covers that percentage of the benefit. If a blank space appears in a row, the policy doesn’t cover that benefit.

medigap-chart_2020

* 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 $2,340 in 2020 before your policy pays anything. (Plans C and F aren't available to people who are 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 ($198 in 2020), 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.


Keep in mind that because Medigap benefits are standardized, the main difference between plans of the same type is the cost.If you’re enrolled in, or will soon be eligible for Medicare, and are considering whether one of the Medicare plans could be a good option for you, we can help you compare your options. We're happy to walk you through your options by phone or email you information; you can request that using the links below. If you’d like to get personalized assistance, you can talk to a licensed insurance agent today.Call US Medicare Brokers licensed insurance agents at 1-888-408-6913, Monday through Friday, 10AM to 8PM EST.