Medigap Plans Compared: A Through N
Medigap (Medicare Supplement Insurance) plans are standardized by federal law. A Plan G from one insurer covers exactly what a Plan G from any other insurer covers, so the letter tells you the benefits and the premium is the only thing left to compare.
What each plan covers
✓ means the plan pays 100% of that cost. A percentage means it pays that share and you pay the rest. — means it doesn’t pay.
| Benefit | A | B | C* | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs, up to an extra 365 days after Medicare benefits run out | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓† |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Skilled nursing facility coinsurance | — | — | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A deductible | — | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
| Part B deductible | — | — | ✓ | — | ✓ | — | — | — | — | — |
| Part B excess charges | — | — | — | — | ✓ | ✓ | — | — | — | — |
| Foreign travel emergency (up to plan limits) | — | — | 80% | 80% | 80% | 80% | — | — | 80% | 80% |
| Out-of-pocket limit (2026) | — | — | — | — | — | — | $8,000 | $4,000 | — | — |
* Not sold to people new to Medicare on or after January 1, 2020. † Plan N: copay of up to $20 for some office visits and up to $50 for emergency room visits that don’t end in an inpatient admission. Source: CMS, Choosing a Medigap Policy (March 2026) and the Medicare.gov benefits chart.
Who can’t buy Plan C or Plan F
Medigap plans sold to people new to Medicare can’t cover the Part B deductible ($283 in 2026). That rules out Plans C and F, the only two letters that pay it. You count as new to Medicare if you turned 65 on or after January 1, 2020 and got Part A on or after that date.
- Eligible before January 1, 2020? You can still buy Plan C or F, even if you haven’t signed up yet.
- New to Medicare since then? Plans D and G are the stand-ins: the same benefits as C and F, minus the Part B deductible. Wherever federal guaranteed-issue rights say “Plan C or F,” you get the right to D or G instead.
- Already have C or F? You can keep it.
The plans in plain English
| Plan | What sets it apart |
|---|---|
| A | The basic benefits only. Every insurer that sells Medigap must offer Plan A. |
| B | Plan A plus the Part A hospital deductible. |
| C | Covers everything except Part B excess charges, including the Part B deductible. Closed to people new to Medicare. |
| D | Plan C without the Part B deductible. |
| F | Covers every gap on the chart. Closed to people new to Medicare. A high-deductible version exists in some states. |
| G | Plan F without the Part B deductible: the most complete plan people new to Medicare can buy. A high-deductible version ($2,950 in 2026) is sold in some states. |
| K | Pays half of most gaps, with a yearly cap on what you pay ($8,000 in 2026). |
| L | Pays 75% of most gaps, with a lower yearly cap ($4,000 in 2026). |
| M | Like Plan D, but pays only half of the Part A deductible. |
| N | Like Plan D, with small office and ER copays in exchange for a lower premium. Plan G vs. Plan N. |
Plans K and L reach 100% coverage for the rest of the calendar year once you’ve paid the out-of-pocket limit plus the yearly Part B deductible. With high-deductible F or G, you pay Medicare-covered costs up to the deductible before the policy pays anything, plus a separate $250 yearly deductible for foreign travel emergencies.
What no Medigap plan covers
Long-term care (non-skilled nursing home care), vision, dental, hearing aids, eyeglasses and private-duty nursing. Plans sold after 2005 don’t include drug coverage, so most people pair Medigap with a Part D drug plan. Each policy covers one person; spouses buy their own.
Retired plans and three exceptions
- Plans E, H, I and J are no longer sold. If you have one, you can generally keep it.
- Plans D and G bought before June 1, 2010 have different benefits from the D and G sold since.
- Massachusetts, Minnesota and Wisconsin standardize Medigap their own way instead of using letters A–N (for example, Massachusetts sells a Core Plan and Supplement 1A). See the state guide for each state’s official shopper’s guide.
- Medicare SELECT policies are standardized plans that require network hospitals (and sometimes doctors) for full benefits, usually for a lower premium.
Same letter, same benefits: compare on price. Premiums for the same plan can differ widely between insurers, and the way an insurer prices increases over time (community, issue-age or attained-age rating) matters as much as the first-year premium. Look up the companies selling Medigap in your ZIP code in Medicare.gov’s Medigap policy search, and get free one-on-one help from your State Health Insurance Assistance Program.
Questions
Which Medigap plan covers the most?
Plan F covers every gap on the chart, but it’s closed to people new to Medicare on or after January 1, 2020. For them, Plan G covers the most: everything except the Part B deductible.
Do all insurers sell every Medigap plan?
No. Each insurer chooses which letters to sell, but every insurer selling Medigap must offer Plan A. Not every plan is sold in every state.
Is a Medigap Plan G from one company better than another company’s?
The benefits are identical by law. What differs is the premium, how the premium rises over time, discounts, and the insurer’s service and rate-increase history.
Can I use Medigap with a Medicare Advantage plan?
No. Medigap works only with Original Medicare. It can’t pay Medicare Advantage premiums, deductibles or copays, and it’s illegal for anyone to sell you a Medigap policy while you’re in an Advantage plan unless you’re switching back to Original Medicare.
Can an insurer cancel my Medigap policy?
Policies issued since 1992 are guaranteed renewable. The insurer can end your coverage only if you stop paying, weren’t truthful on the application, or the company goes bankrupt.
Sources
Official sources only, checked October 17, 2026.
- CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
- Medicare.gov, “Compare Medigap plan benefits” — medicare.gov.
- CMS, 2026 Part B deductible — cms.gov.
Educational information, not medical, legal or financial advice. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure