Medigap plans (Medicare Supplement Insurance) help pay for the out-of-pocket costs that Original Medicare does not cover. These costs include deductibles, copayments, and coinsurance. Each Medigap plan is standardized by the federal government, meaning benefits are the same no matter which company sells the policy.
How Medigap Plans Work
There are 10 standardized Medigap plan types, labeled A through N (excluding E, H, I, and J which are no longer sold to new enrollees). Each plan provides a different combination of benefits, letting you choose the level of coverage that best fits your needs and budget.
While the benefits of each plan type are standardized, premiums can vary by state and insurer. That’s why comparing options is so important.
Medigap Plans at a Glance
- Plan A – The most basic Medigap plan, covering only core benefits like Part A coinsurance and Part B coinsurance.
- Plan B – Similar to Plan A but also covers the Part A deductible.
- Plan C – Comprehensive coverage (except excess charges), but closed to new enrollees after Jan 1, 2020.
- Plan D – Covers 7 out of 9 Medigap benefits, excluding the Part B deductible and excess charges.
- Plan F – The most comprehensive plan (covers all 9 benefits). Not available to those new to Medicare after Jan 1, 2020.
- High-Deductible Plan F – Same benefits as Plan F but with a higher deductible and lower premiums.
- Plan G – The most popular plan today, covering everything except the Part B deductible.
- Plan N – A budget-friendly option with small office and ER copays but otherwise broad coverage.
- Plan K – Covers 50% of many benefits with a high out-of-pocket maximum for protection.
- Plan L – Covers 75% of many benefits with a lower out-of-pocket maximum than Plan K.
- Plan M – Splits the Part A deductible 50/50 while covering other key benefits.
- Plan J – Discontinued for new enrollees but still kept by some who purchased it before 2010.
Most Popular Plans
In 2025, the most popular Medigap plans are:
- Plan G – Chosen by 39% of beneficiaries
- Plan F – Chosen by 36% (grandfathered in before 2020)
- Plan N – Chosen by 10%
Compare All Plans
Use our comparison chart to see all benefits side by side:
Benefits offered by each Medigap plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future. You might not be able to switch Medigap policies later.
✔ = Plan covers 100% ✘ = Plan doesn’t cover % = Amount the plan covers
| Benefits | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B copays/coinsurance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Blood (first 3 pints) | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Skilled nursing facility | ✘ | ✘ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A deductible | ✘ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ |
| Part B deductible | ✘ | ✘ | ✔ | ✘ | ✔ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Part B excess charges | ✘ | ✘ | ✔ | ✘ | ✔ | ✔ | ✘ | ✘ | ✘ | ✔ |
| Foreign travel emergency | ✘ | ✘ | 80% | 80% | 80% | ✘ | ✘ | ✘ | 80% | 80% |
| $7,220 | $3,610 | |||||||||
Next Steps
Choosing the right Medigap plan depends on your health, budget, and where you live. Use our Compare Rates tool to check premiums in your area or speak with a licensed insurance agent for personalized guidance.