The following are specific types of Medicare-related expenses that Medicare Supplement insurance policies may cover:
Items highlighted in bold are covered by all Medicare Supplement insurance plans. The remaining items may vary in coverage based on the Medigap plan option selected.
- Only Plan F and Plan C cover the Part B deductible. If you became eligible for Medicare on or after January 1, 2020, these plans are not available to you.
Since each plan varies, it is crucial to understand the benefits included in the Medigap policy you intend to purchase.
The chart below outlines which plan options cover specific expenses. Use the scroll bar at the bottom to view all plans and their details.
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A check mark in a box indicates that the plan covers the expense 100%.
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A percentage in a box indicates that the plan option will only pay that portion of the expense.
Medigap policies include 4 required benefits that must be part of every plan, along with 5 optional benefits that may be included in some plans.
The following 4 benefits are guaranteed to be included, at least partially, in every Medigap policy:
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Part A hospital care coinsurance
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Part A hospice care coinsurance or copayment
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Part B coinsurance or copayment
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First 3 pints of blood
Regardless of the Medigap plan option you select, these costs will be covered.
The following sections provide detailed explanations of each benefit.
Medicare Part A covers inpatient hospital stays. However, if your stay exceeds 60 days, you will incur a coinsurance payment for each additional day.
After a certain duration, Medicare ceases to cover your inpatient hospital expenses entirely.
If you have a Medicare Supplement insurance policy, it will cover your Part A coinsurance costs.
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The coinsurance amount is $408 per day in 2025 for days 61 to 90 of your hospital stay.
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For days beyond 90, the coinsurance cost is $816 per day in 2025.
With a Medigap policy, any inpatient hospital costs incurred after Medicare stops coverage will also be covered for up to 365 days after you exhaust your Medicare benefits.
Medicare Part A hospice care includes respite care and prescription medications for pain relief.
However, there is a 5% coinsurance for respite care and a $5 copayment for each prescription.
If you have Medicare Supplement insurance, it will cover these coinsurance and copayment costs.
Note: Plans K and L only cover a portion of the coinsurance and copayments.
Medicare Part B covers preventive services and necessary supplies for diagnosing and treating medical conditions.
Part B pays only 80% of the Medicare-approved amount for a service. For example, if the Medicare-approved cost for a service is $1,000, Medicare will cover $800.
After meeting your Part B deductible, you are generally responsible for a 20% Part B coinsurance.
If you have a Medigap policy, it will cover the remaining 20% of the Part B coinsurance costs.
Note: Plans K and L only cover a portion of the coinsurance or copayment.
Medicare only covers blood costs starting from the 4th pint for a transfusion, excluding the first 3 pints.
If you have a Medigap policy, it will cover the first 3 pints of blood.
The following 5 benefits are covered, at least partially, by some Medicare Supplement insurance plans, but may not be included in all Medigap options.
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Part A deductible
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Part B deductible
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Part B excess charges
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Part A skilled nursing care coinsurance
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Foreign travel emergency care
The following sections provide detailed explanations of these benefits.
Medicare Part A covers various hospital costs, but you must pay a deductible before your Part A coverage begins.
In 2025, the Part A deductible is $1,632 per benefit period.
Nine out of ten Medicare Supplement insurance plan options cover the Part A deductible, with Plan A being the only option that does not.
Note: Plans K, L, and M cover only a portion of the Part A deductible, with Plans K and M covering 50% and Plan L covering 75%.
Medicare Part B encompasses a variety of preventive and diagnostic services. You must meet your Part B deductible before coverage begins.
In 2025, the Part B deductible is $240 per year.
If you have Medicare Supplement Plan F or Plan C, your policy will cover the Part B deductible. No other plans provide this coverage.
In certain instances, a healthcare facility may charge up to 15% more than the Medicare-approved amount for a service, known as Medicare Part B excess charges.
If you have Medicare Supplement Plan F or Plan G, your policy will cover these excess charges. No other plans include this coverage.
Medicare Part A covers some services in skilled nursing facilities. However, after 20 days of inpatient skilled nursing care, you will need to start paying daily coinsurance to maintain coverage.
For days 21 through 100 in a skilled nursing facility, the daily coinsurance is $204 per day in 2025.
Medicare Supplement plans will cover this cost unless you have Plan A or Plan B. Any other plan will provide at least partial coverage.
Note: Plan K covers only 50% of the coinsurance, while Plan L covers 75%.
Medicare only provides coverage for foreign emergency health care in limited situations.
If you have Medicare Supplement Plans C, D, F, G, M, or N, your insurance company will pay 80% of the billed charges for certain medically necessary emergency care received outside the United States.
A licensed insurance agent can assist you in finding Medigap plans available in your area.
Contact a licensed agent today to receive help comparing plan benefits and costs, ensuring you find a plan that meets your coverage needs.
We have been assisting individuals in finding their ideal Medicare plan for over 12 years.