1. Getting Started
  2. Review Coverage
  3. Compare Plans
What can I do during the annual open enrollment period? Is it too late to join a prescription drug plan? Can I switch Medicare supplement plans? Why you might switch Medigap plans How to change your Medigap plan Deadlines for changing your Medigap plan Get a personalized price comparison Check Medigap Rates Selecting a Medigap plan Contact insurance companies Compare Medigap plan benefits

Compare Medigap plan benefits

The chart below shows basic information about the different benefits Medigap policies cover.

X = the plan covers 100% of this benefit

% = the plan covers the percentage of this benefit

Medigap Plans
Medigap Benefits A B D K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up X X X X X X X X X X
Part B coinsurance or copayment X X X X X X 50% 75% X X4
Blood (first 3 pints) X X X X X X 50% 75% X X
Part A hospice care coinsurance or copayment X X X X X X 50% 75% X X
Skilled nursing facility care coinsurance X X X X 50% 75% X X
Part A deductible X X X X X 50% 75% 50% X
Part B deductible X X
Part B excess charges X X
Foreign travel exchange (up to plan limits) 80% 80% 80% 80% 80% 80%
Out-of-pocket limit5 N/A N/A N/A N/A N/A N/A $6,940 $3,470 N/A N/A
  1. Plan C will be discontinued in 2020. Only if you were first eligible for Medicare prior to January 1, 2020 will you be able to enroll.
  2. Plan F also offers a high-deductible option. If you choose this option, this means you must pay for Medicare-covered cost up to the deductible amount of $2,700 in 2023 before your Medigap plan pays anything.  In 2020 only if you were first eligible for Medicare prior to January 1, 2020 will you be able to enroll.
  3. Plan G will also offer a high deductible option. If you choose this option, this means you must pay for Medicare-covered cost up to the deductible amount of $2,700 in 2023 before your Medigap plan pays anything.
  4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
  5. After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

In Massachusetts, Minnesota, and Wisconsin medigap policies are standardized in a different way.  They consist of a core plan/core plans and additional riders can be selected to provide additional coverage at a cost.