2025 Medicare Supplement Plan Comparison Chart | Medigap Comparison

This comparison chart for Medicare Supplement Insurance allows you to view Medigap plans side by side. You can explore the benefits and costs to find plans that may be available in your area.

There are 10 standardized Medicare Supplement Insurance (Medigap) plans available in most states. These plans are designated as Plan A, B, C, D, F, G, K, L, M, and N. When searching for the best Medicare supplement plans to meet your needs, comparing Medigap quotes can be beneficial.

Utilize the 2025 Medigap plan chart below to compare the benefits provided by each plan type. Use the scroll bar at the bottom of the chart to access all plans and details.

*Plans C and F are only available to individuals who were eligible for Medicare before January 1, 2020.

Medicare Supplement plans, often referred to as Medigap, are insurance policies that complement your Medicare Part A and Part B benefits. They assist in covering some of your Medicare deductibles, coinsurance, copayments, and other expenses.

Here are some essential facts about Medicare Supplement Insurance:

• Medigap insurance typically does not provide additional benefits; instead, it covers out-of-pocket costs associated with Medicare.

• Medigap insurance is accepted by any healthcare provider who accepts Medicare.

• If your healthcare service or medical device is covered by Medicare, your Medigap plan will cover any additional out-of-pocket costs, depending on your Medigap plan coverage and whether you have met certain Medicare deductibles.

• The availability of Medigap policies may differ based on your location and the timing of your Medicare eligibility. You can select from up to 10 policies: A, B, C, D, F, G, K, L, M, and N. It is important to note that policies in Wisconsin, Massachusetts, and Minnesota have different names.

Medicare Supplement Insurance plan premiums are offered by private insurance companies, which means that both plan availability and premiums can vary. The average cost of each Medigap plan type can differ significantly. Each plan type provides a unique combination of standardized benefits, meaning plans with fewer benefits may have lower premiums. Factors such as your age, gender, smoking status, health, where you live, and when you apply for Medigap can all influence the average cost of Medigap plans in your area.

There is no single ‘best’ Medigap plan. A particular Medigap plan may suit you if it offers the coverage you need at a premium that fits your budget. Compare Medicare Supplement Plans F and G to find the plan that best meets your needs!

• Medigap Plan G is currently the most popular Medigap plan, with a 39 percent increase in enrollment in recent years. Nearly one in three Medigap beneficiaries have Plan G. 1 Medigap Plan G covers all out-of-pocket Medicare costs that Plan F covers, except for the Medicare Part B deductible. The 2025 Part B deductible is $257 per year (approximately $21 per month). If you find a Medigap Plan G option that costs only $21 more per month (or less) than Plan F, it may provide better value over the year if you meet the Part B deductible.

• Medigap Plan F was previously the most popular Medigap plan but has now been surpassed by Plan G. Plan F covers more standardized out-of-pocket Medicare costs than any other Medigap plan, encompassing all 9 standardized Medigap benefits. Note: Plan F is no longer available to new beneficiaries who turned 65 on or after January 1, 2020.

Medigap Plan G covers all out-of-pocket Medicare costs that Plan F covers, except for the Medicare Part B deductible. The 2025 Part B deductible is $257 per year (approximately $21 per month). This implies that if you find a Medigap Plan G option that costs only $21 more per month (or less) than Plan F, it could be a more economical choice over the year if you meet the Part B deductible.

Medigap Plan F was once the most popular Medigap plan but has now been overtaken by Plan G.

Plan F offers coverage for more standardized out-of-pocket Medicare costs than any other Medigap plan, covering all 9 standardized Medigap benefits. Note: Plan F is not available for new beneficiaries who became eligible for Medicare on or after January 1, 2020. When shopping for Medicare Supplement Insurance plans, it is crucial to consider your specific health coverage needs and budget. You may also want to review Medicare Supplement ratings and reviews for plans available in your area.

The cost predictability that a Medigap plan can provide may help you better anticipate your monthly healthcare expenses. You can combine a Medigap plan with a Medicare Part D prescription drug plan to help cover your retail prescription drug costs. You can compare Part D plans available in your area and enroll in a Medicare prescription drug plan online.

The cost of a Medicare Supplement Insurance plan can differ between carriers and locations. However, the standardized benefits covered by each Medigap plan remain consistent, regardless of your location or insurance carrier (except in Massachusetts, Minnesota, and Wisconsin, where Medigap plans have different standards). This means that the benefits of Ohio Medigap Plan A will be identical to those of Texas Medigap Plan A.

The 9 standardized benefits that may be included in a Medicare Supplement Insurance plan are as follows:

• Medicare Part A Coinsurance and Hospital Costs: Medicare Part A helps cover your hospital costs if you are admitted for inpatient treatment (after you meet your Medicare Part A deductible, which is $1,676 per benefit period in 2025). For the first 60 days of your hospital stay, you are not required to pay any Part A coinsurance. However, starting on day 61, you will need to pay Medicare Part A coinsurance, which is $419 per day through day 90. After your 90th day in the hospital, you must pay $838 per day for up to 60 additional days. Beyond that, you are responsible for all hospital costs.

• Medicare Part A Deductible: Before your Part A coverage begins, you must pay the Part A deductible. As previously mentioned, the Medicare Part A deductible is $1,676 per benefit period in 2025. The Medicare Part A deductible is not an annual deductible, meaning you may need to meet it multiple times in a year.

• Medicare Part B Deductible: Before Medicare Part B covers any of your costs for services like doctor’s appointments or medical devices, you must meet your Part B deductible. In 2025, the Part B deductible is $257 per year.

• Medicare Part B Coinsurance or Copayment: After meeting your Part B deductible, you typically need to pay a coinsurance or copayment of 20 percent of the Medicare-approved amount for your covered services. There is no limit to how much you may have to pay for this 20 percent copayment or coinsurance in a year if you do not have a Medigap plan that covers this cost.

• Medicare Part A Hospice Care Coinsurance or Copayments: If you receive hospice care covered by Medicare, you will need to pay a Part A copayment for prescription drugs used during hospice. You may also incur a 5 percent coinsurance for inpatient respite care costs.

• Coinsurance for Skilled Nursing Facility: There is no coinsurance requirement for the first 20 days of inpatient skilled nursing facility care. However, a coinsurance requirement of $209.50 per day begins on day 21 of your stay, and you are responsible for all costs after day 101 of inpatient skilled nursing facility care (in 2025).

• Medicare Part B Excess Charges: Excess charges can occur when you receive Medicare-covered services or items from a provider who does not accept Medicare assignment, meaning they do not accept Medicare reimbursement as full payment for their services. In this case, the provider can charge you up to 15 percent more than the Medicare-approved amount.

• First Three Pints of Blood: Original Medicare does not cover the first three pints of blood used in a blood transfusion.

• Foreign travel Emergency Care: Medicare generally does not cover emergency care received outside of the U.S. or U.S. territories.

  
  

Medicare Part A coinsurance and hospital costs: Medicare Part A assists with your hospital costs if you are admitted for inpatient treatment (after you meet your Medicare Part A deductible, which is $1,676 per benefit period in 2025).

For the first 60 days of your hospital stay, you are not required to pay any Part A coinsurance. However, starting on day 61, you will need to pay Medicare Part A coinsurance, which is $419 per day through day 90. After your 90th day in the hospital, you must pay $838 per day for up to 60 additional days. Beyond that, you are responsible for all hospital costs.

Medicare Part A deductible: Before your Part A coverage begins, you must pay the Part A deductible. As previously mentioned, the Medicare Part A deductible is $1,676 per benefit period in 2025. The Medicare Part A deductible is not an annual deductible, meaning you may need to meet it multiple times in a year.

Medicare Part B deductible: Before Medicare Part B covers any of your costs for services like doctor’s appointments or medical devices, you must meet your Part B deductible. In 2025, the Part B deductible is $257 per year.

Medicare Part B coinsurance or copayment: After meeting your Part B deductible, you typically need to pay a coinsurance or copayment of 20 percent of the Medicare-approved amount for your covered services.

There is no limit to how much you may have to pay for this 20 percent copayment or coinsurance in a year if you do not have a Medigap plan that covers this cost. Medicare Part A hospice care coinsurance or copayments: If you receive hospice care covered by Medicare, you will need to pay a Part A copayment for prescription drugs used during hospice. You may also incur a 5 percent coinsurance for inpatient respite care costs.

Coinsurance for skilled nursing facility: There is no coinsurance requirement for the first 20 days of inpatient skilled nursing facility care. However, a coinsurance requirement of $209.50 per day begins on day 21 of your stay, and you are responsible for all costs after day 101 of inpatient skilled nursing facility care (in 2025).

Medicare Part B excess charges: Excess charges can occur when you receive Medicare-covered services or items from a provider who does not accept Medicare assignment, meaning they do not accept Medicare reimbursement as full payment for their services. In this case, the provider can charge you up to 15 percent more than the Medicare-approved amount.

First three pints of blood: Original Medicare does not cover the first three pints of blood used in a blood transfusion.

Foreign travel emergency care: Medicare generally does not cover emergency care received outside of the U.S. or U.S. territories. Medigap Plan F and Plan C are not available to anyone who became eligible for Medicare on or after January 1, 2020. If you had Plan C or Plan F before 2020, you can keep your plan. If you became eligible for Medicare before 2020, you may still be able to purchase either Plan C or Plan F after January 1, 2020, if either is available in your area.

Both Plan F and Plan G offer high deductible options, which have a deductible of $2,870 in 2025.

You must meet this $2,870 deductible before your plan coverage begins for the remainder of the plan year. One advantage of the high deductible is a lower monthly premium.

Plans K and L each feature an annual out-of-pocket spending limit. Once you reach this limit within a calendar year, the plan will cover 100 percent of the costs for your covered Medicare services for the rest of the year. The out-of-pocket maximum for Plan K is $7,220 in 2025, while Plan L has an out-of-pocket spending limit of $3,610.