Medicare Supplement (Medigap) Plans
Original Medicare covers about 80% of your medical costs. A Medicare Supplement plan covers most or all of the remaining 20%, protecting you from unexpected out-of-pocket expenses.
What Is a Medicare Supplement Plan?
A Medicare Supplement plan, also called Medigap, is private insurance that works alongside Original Medicare (Parts A and B) to cover costs that Medicare does not pay, such as deductibles, coinsurance, and copayments.
With a Medigap plan, you can see any doctor or hospital in the country that accepts Medicare. There are no networks, no referrals, and no prior authorizations for most services. Your coverage travels with you.
Medigap plans are standardized by the federal government. A Plan G from one insurer covers the exact same benefits as a Plan G from another insurer. The only difference is the monthly premium, which is why comparing prices across carriers is so important.
Coverage varies by plan. Plan G covers all gaps except the Part B deductible.
Most Common Medigap Plans
There are 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, N). Here are the four most commonly chosen plans and what they cover.
Plan G
- Part A coinsurance & hospital costs
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency (80%)
- Part B deductible ($283 in 2026)
HDHP Plan G
- Part A coinsurance & hospital costs (after deductible)
- Part B coinsurance or copayment (after deductible)
- Blood (first 3 pints, after deductible)
- Part A hospice coinsurance (after deductible)
- Skilled nursing facility coinsurance (after deductible)
- Part A deductible (after deductible)
- Foreign travel emergency (80%, after deductible)
- Part B deductible ($283 in 2026)
- Costs before the $2,870 annual deductible is met (2026)
Once the $2,870 annual deductible is met, HDHP Plan G covers everything standard Plan G covers. Significantly lower monthly premiums make this ideal for healthy beneficiaries.
Plan N
- Part A coinsurance & hospital costs
- Part B coinsurance (with copays)
- Blood (first 3 pints)
- Part A hospice coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Foreign travel emergency (80%)
- Part B deductible
- Part B excess charges
Up to $20 doctor copay and $50 ER copay (waived if admitted)
Plan F
- Part A coinsurance & hospital costs
- Part B coinsurance or copayment
- Blood (first 3 pints)
- Part A hospice coinsurance
- Skilled nursing facility coinsurance
- Part A deductible
- Part B deductible
- Part B excess charges
- Foreign travel emergency (80%)
Plan K
- 50% of Part A coinsurance
- 50% of Part B coinsurance
- 50% of blood (first 3 pints)
- 50% of Part A hospice coinsurance
- 50% of skilled nursing facility coinsurance
- 50% of Part A deductible
- Part B deductible
- Part B excess charges
- Foreign travel emergency
- Full coinsurance (pays 50%)
A Plan G from Carrier A covers the exact same benefits as a Plan G from Carrier B. But premiums can vary by hundreds of dollars per year for the same coverage. Our agents compare prices across all carriers available in your area to find you the best rate.
Medigap vs. Medicare Advantage
These are two very different approaches to Medicare coverage. Understanding the trade-offs is essential before you choose.
| Feature | Medigap + Part D | Medicare Advantage |
|---|---|---|
| Monthly Premium | Higher (plan + Part D) | Often $0 or very low |
| Out-of-Pocket Costs | Very predictable, often near $0 | Variable, up to annual max |
| Provider Network | Any Medicare provider nationwide | Usually restricted to network |
| Referrals Needed | No | Often yes (HMO plans) |
| Drug Coverage | Separate Part D plan required | Usually bundled in |
| Extra Benefits (dental, vision) | Not included | Often included |
| Best For | Frequent travelers, complex health needs | Lower premiums, local care |
Related Medicare Topics
Add prescription drug coverage to your Medigap plan. Compare plans based on your medications.
Drug tiers, the 2025 $2,000 out-of-pocket cap, and enrollment periods explained.
A full overview of Parts A, B, C, and D and how they work together.
Medigap Questions
Find the Right Medigap Plan at the Best Price
Our independent agents compare Medigap plans from all major carriers available in your area. Since the benefits are standardized, we focus on finding you the lowest premium for the plan that fits your needs. The consultation is free.
We do not offer every plan available in your area. Currently we represent 17 organizations which offer 149 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP for information on all options.