There are ten standardized Medigap plans available in the United States, known as Plan A through Plan N. Each plan offers a different set of benefits to supplement Original Medicare, the federally-funded health insurance program for seniors and some disabled individuals. Here’s a brief overview of each plan:
| Medigap Benefits | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Plan A | Plan B | Plan C | Plan D | Plan F* | Plan G* | Plan K | Plan L | Plan M | Plan N | |
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | | | | | | | | | | |
| Part B coinsurance or copayment | | | | | | | 50% | 75% | | *** |
| Blood (first 3 pints) | | | | | | | 50% | 75% | | |
| Part A hospice care coinsurance or copayment | | | | | | | 50% | 75% | | |
| Skilled nursing facility care coinsurance | | | | | | | 50% | 75% | | |
| Part A deductible | | | | | | | 50% | 75% | 50% | |
| Part B deductible | | | | | | | | | | |
| Part B | | | | | | | | | | |
| Foreign travel exchange (up to plan limits) | | | 80% | 80% | 80% | 80% | | | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $6,940 in 2023 | $3,470 in 2023 | N/A | N/A |
Plan A
Plan A: This is the most basic Medigap plan, covering the core benefits of Medicare Part A (hospital insurance) and Part B (medical insurance). These benefits include inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.
Plan B
Plan B: In addition to the core benefits of Plan A, Plan B also covers the Part A deductible and some additional medical expenses, such as the first three pints of blood used in a medical procedure.
Plan C
Plan C: Plan C offers the same benefits as Plan B, but also includes coverage for Medicare Part A’s hospice care coinsurance and copayments, as well as the Part A deductible for hospital stays longer than 60 days.
Plan D
Plan D: Plan D covers the same benefits as Plan C, but also includes coverage for the Part B deductible.
Plan F
Plan F: Plan F is the most comprehensive Medigap plan, covering all of the benefits of the previous plans as well as the Part B excess charges (fees above the Medicare-approved amount) and foreign travel emergency care.
Plan G
Plan G: Plan G offers the same benefits as Plan F, with the exception of the Part B deductible.
Plan K
Plan K: Plan K covers 50% of the Part A deductible, the Part A coinsurance for hospital stays longer than 60 days, the Part A hospice care coinsurance and copayments, the first 50% of the Part B deductible, and the Part B coinsurance or copayment.
Plan L
Plan L: Plan L covers 75% of the Part A deductible, the Part A coinsurance for hospital stays longer than 60 days, the Part A hospice care coinsurance and copayments, the first 75% of the Part B deductible, and the Part B coinsurance or copayment.
Plan M
Plan M: Plan M covers the same benefits as Plan A, with the exception of the Part A deductible. It also covers 50% of the Part B deductible and the Part B coinsurance or copayment.
Plan N: Plan N covers the same benefits as Plan A, with the exception of the Part A deductible. It also covers the Part B coinsurance or copayment, with some additional copayments for certain medical services.
Plan N
It’s important to note that these Medigap plans are standardized, meaning that the benefits offered are the same regardless of the insurance provider. However, premiums for each plan can vary among insurance companies. It’s recommended to compare multiple quotes and consult with a licensed insurance agent or the Medicare hotline to determine the best Medigap plan for your specific needs and budget.
