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Compare Medicare Supplements

by: Leandro Mueller

What do Medigap Policies Cover?

Different kinds of Medicare Supplement plans are offered. This is to provide applicants a wide variety of policies to choose from, to best address their unique needs and circumstances. Medicare Supplements are labeled from Plan A – N, with E, H, I, J, already discontinued.


One thing to remember, regardless of Medicare Supplements purchased, is that each plan provides coverage for these:

  • Medicare Part A coinsurance fees
  • Medicare Part A copayments for hospice care
  • Medicare Part B coinsurance fees or copayments
  • First three pints of blood


An additional and important feature that most applicants look for in Medicare Supplements is foreign travel coverage. Several of the standardized Medigap plans offer this option.

For more in-depth information, click on each letter.
Medicare Supplement Comparison Chart
Medigap Benefits Medigap Plans
A B C D F* G K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit* N/A N/A N/A N/A N/A N/A N/A $5,240 $2,620 N/A

Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable


The Medigap policy covers coinsurance only after you’ve paid the deductible (unless the Medigap policy also pays the deductible).

*Plan F is a high deductible plan. If you decide to enroll in this option this 2018, you must pay the Medicare-covered costs up to the deductible amount of $2,240 before Medigap plan works or pay anything.

**The Medigap plan will pay 100% of covered services for the rest of the year once you meet your out-of-pocket yearly limit and your yearly Part B deductible.

***Plan N pays 100% of the Part B coinsurance. A copayment of up to 20% for some office visits and up to 50% copayment for emergency room visits that don’t result in inpatient admission are not included.

*A high-deductible plan offered in some states. Insurers who opt for this plan must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to a deductible amount before the policy pays for anything.