Compare Medigap Plans
Medicare supplemental insurance, also called Medigap, is extra insurance you buy from a private insurer to pay for health care costs that Original Medicare doesn’t cover. There are 10 standardized Medigap plans. Comparing plans for coverage and costs can help you find the right plan for your needs and budget.
- Written by Lindsey Crossmier
Lindsey Crossmier is an accomplished writer with experience working for The Florida Review and Bookstar PR. As a financial writer, she covers Medicare, life insurance and dental insurance topics for RetireGuide. Research-based data drives her work.Read More
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- Reviewed ByChristian Worstell
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- Published: August 10, 2020
- Updated: April 11, 2023
- 6 min read time
- This page features 5 Cited Research Articles
What Are the Most Popular Medigap Plans?
According to the most recent data from Mark Farrah Associates, Plan F was the most popular Medigap plan, accounting for 41.2% of medigap enrollees. Plan G was the second most popular, at 31.1%. Plans M and N were the next popular choices, at 9.9%.
However, a plan being popular shouldn’t be your primary reason for purchase. You should be researching which Medigap plan is most popular for an individual with your specific needs, not in general.
Mary Johnson, a Social Security and Medicare policy analyst for The Senior Citizens League spoke to RetireGuide about which Medigap policy would best suit new enrollees. “Plan G is a great choice for people enrolling for the first time. Of the plans open to new enrollees, it is the most comprehensive.”
Below are the best Medigap plans for those looking for extensive coverage, affordable premiums and the best options for new enrollees.
While Plans C and F offer extensive coverage, such as being the only plans to cover the Part B deductible, they are no longer available to people who were newly eligible for Medicare on or after Jan. 1, 2020. If you already have a Plan C or F plan, you can keep your coverage.
If you’re looking for a plan with comparable coverage to Plan C or F — consider Plan G. The difference in coverage is that Plan G doesn’t cover the Part B deductible, and you’re likely to get a more affordable premium.Taking the time to compare the coverage and costs of each Medigap plan available to you can be critical to your long-term savings and even to your overall health.
Plan D has similar coverage to Plan C. The only differences are that Plan D doesn’t cover the Part B deductible and the excess charges that nonparticipating doctors are allowed to charge their Medicare patients.Don't Leave Your Health to ChanceYou've worked hard your whole life by thinking ahead. Now do the same for your health. Get free Medicare help to plan your future.
What To Consider When Choosing a Medigap Plan
You should consider your specific coverage needs when selecting a Medigap plan. For example, if you’re likely to need skilled nursing care in the future, find a Medigap plan with this coverage included. You should also compare premium quotes from multiple insurers.Be patient, and plan to talk with several insurers to compare costs. Make a point to ask the individual you are speaking with to confirm that they are discussing Medigap coverage, not Medicare Advantage.
Below are some coverage options to consider when considering a Medigap policy.What To Consider When Comparing Medigap Plans
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- Coverage for blood transfusions
- Coverage for health care during foreign travel
- Coverage for hospital stays beyond the limit in Medicare Part A
- Hospice care coinsurance or copayment coverage
- Amount of coinsurance or copayment the plan covers
- How much of your Medicare Part A deductible is covered
- How much of your Medicare Part B deductible is covered
- How much of your Medicare Part B excess charge is covered
- Skilled nursing care coinsurance coverage
- The plan’s out-of-pocket limit
What Are the 10 Medicare Supplement Plans?
There are 10 possible, standardized Medigap plans that insurance companies can choose to sell. Each plan helps provide a different level of coverage for Original Medicare’s potential out-of-pocket costs.
But, if they sell any Medicare supplemental insurance plan, they must also offer Medigap Plan A and either Plan C or Plan F. State laws may require insurers to sell other plans, too.Comparing Medicare Supplement Plans
- Medigap Plan A
- This is the most basic plan. It covers 20% of what Medicare does not for outpatient services. All companies must carry Medigap Plan A but don’t have to sell it to people on Medicare disability if they’re under 65.
- Medigap Plan B
- In addition to having all Plan A coverage, Plan B covers part of the Medicare Part A deductible.
- Medigap Plan C
- This plan covers everything except Medicare excess charges. It covers your deductibles and your 20% coinsurance or copayment for outpatient services. Plan C is being phased out. It is no longer available to anyone who qualified for Medicare on or after Jan. 1, 2020
- Medigap Plan D
- Do not confuse this plan with Medicare Part D prescription drug coverage. Medigap Plan D does not cover Medicare excess charges or your Medicare Part B deductible. It covers most other out-of-pocket expenses.
- Medigap Plan F
- Generally, this has been the most popular Medigap plan. Plan F covers all of your out-of-pocket costs with Medicare. It can be expensive, but there is a high deductible version of Plan F that may have lower premiums. Plan F is being phased out. It is not available to anyone who qualified for Medicare on or after Jan. 1, 2020.
- Medigap Plan G
- Plan G covers everything Plan F covers except for the Medicare Part B deductible. This may be an alternative to consider if you were thinking about Plan C or Plan F but are no longer eligible for those.
- Medigap Plans K, L and M
- These plans are not offered by all insurers. They offer only partial coverage. Plan K covers 50% of most out-of-pocket costs, Plan L covers 75% of most costs and Plan M covers most costs, but only 50% of your Medicare Part A deductible.
- Medigap Plan N
- This Medigap plan offers lower premiums if you agree to copayments for doctor visits, emergency room visits and other medical services. It also does not cover Medicare excess charges.
Comparing Their Benefits
Compare all ten Medigap policies benefits and potential premiums to see what could fit your needs.
There are high deductible versions of Plan F and Plan G. In 2023, the annual deductible amount for these plans is $2,700. The Plan F and Plan G high-deductible premiums could range from $51 to $94, according to the U.S. Centers for Medicare & Medicaid Services. The price estimates were formulated for a 65-year-old nonsmoking woman looking for coverage in Florida.3 Minute Quiz: Can You Retire Comfortably?Take our free quiz & match with a financial advisor in 3 easy steps. Tailored to your goals. Near you or online.
Medigap Coverage in Massachusetts, Minnesota and Wisconsin
If you live in Massachusetts, Minnesota or Wisconsin, policies are different from other Medigap plans in the United States.
All three states require Medigap plans to offer the same basic benefits.Basic Medigap Benefits in Massachusetts, Minnesota and Wisconsin
- Medicare Part A coinsurance
- Part B coinsurance (generally 20% of cost)
- Part A hospice coinsurance or copayment
- First three pints of blood needed each year
Wisconsin also requires coverage of 40 home health care visits in addition to those covered by Original Medicare. Massachusetts also includes an additional 365 days of hospitalization costs after Medicare coverage ends.
Beyond that, the offerings can vary from state to state.
Massachusetts offers three plans: Core Plan, Supplement 1 Plan and Supplement 1A Plan. Supplement 1 Plan covers the Medicare Part B medical insurance deductible, however the Supplement 1A does not.
Minnesota offers a Basic Plan and Extended Basic Plan. The Extended Basic Plan notably includes coverage for the Part A inpatient hospital deductible and the Medicare Part B deductible which the Basic Plan does not cover. Both provide 80% coverage for emergency care during foreign travel.
Wisconsin offers only a Basic Plan, but there are versions known as “50% and 25% Cost-Sharing Plans” similar to standardized Plans K and L. There is also a plan with a high deductible available. The deductible is $2,340 per year in 2022. 2023 numbers are not currently available.Last Modified: April 11, 2023Share This Page
5 Cited Research Articles
- U.S. Centers for Medicare & Medicaid Services. (2022, October). F, G & J Deductible Announcements. Retrieved from https://www.cms.gov/medicare/health-plans/medigap/fandj
- Mark Farrah Associates. (2022, May 26). Medicare Supplement Enrollment Trends and Plan Performance Insights. Retrieved from https://www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-trends-and-plan-performance-insights/
- Bunis, D. (2022, May 11). Medigap Plans Help Bridge Gap of Original Medicare Costs. Retrieved from https://www.aarp.org/health/medicare-insurance/info-2017/choosing-right-medigap-plan.html
- U.S. Centers for Medicare & Medicaid Services. (2022). How To Compare Medigap Policies. Retrieved from https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies
- U.S. Centers for Medicare & Medicaid Services. (2022). Supplemental Insurance (Medigap) Plans in Florida. Retrieved from https://www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=12117&zip=32765&year=2023&lang=en
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