How to Compare Medigap Plans

You can compare Medigap (Medicare Supplement) letter plans by benefits and cost-sharing by using the chart below.

Medigap plans are standardized in terms of benefits and cost-sharing. Given that, you can use the easy-to-read chart below to compare plans in most states. Meanwhile, since plans are standardized In a different way in Massachusetts, Minnesota, and Wisconsin, you’ll use different charts in those states.

It is important to understand that even though benefits and cost-sharing are standardized, insurers can still charge different premiums for the same letter plan and premiums can differ by region, age, and other factors. You can use the following link to compare Medigap plans by premium (you’ll need to enter some information to get a correct price quote for Medigap).

Medigap Comparsion Chart 2021

Below is the standard Medigap comparison chart for 2021 Medigap plans.

Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

NOTE: The chart below is updated for 2021, we keep this chart updated for the current year.

Medigap Benefits Medigap Plans
A B C D F* G* K L M N
Part A coinsurance Click for more Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A $6,220 in 2021 $3,110 in 2021 N/A N/A

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,370 in 2021 before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, 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.

*** 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.

Medigap Letter Plans are Different For Massachusetts, Minnesota, or Wisconsin: If you live in Massachusetts, Minnesota, or Wisconsin Medigap policies are standardized in a different way.

Medigap Plan C and F Changes for 2020 and Beyond: In 2020 and beyond new Medicare recipients won’t be able to get coverage for Part B deductibles, as such plan C will no longer be offered. If you already have plan C or are covered by plan C before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy Plan C.

Medigap and Coinsurance: The Medigap policy covers coinsurance only after you’ve paid the deductible (unless the Medigap policy also pays the deductible).