Comparing Medigap Plans

Learn the difference between Medicare Supplement plans

by Ray Wilson+ on Jun 19, 2019 | 32 Comments

There are ten Medicare Supplemental (aka Medigap) plans that are available for Seniors on Medicare. You might be surprised how easy it is to compare Medigap plans. The chart, as you will see, shows exactly which plan covers which benefit.  And while there are technically 10 plans, not all plans will be available in your area.  So before you get your heart set on Plan N, you will want to check if local insurance companies offer it. 

This article was updated on June 19, 2019.

Medigap Comparison Chart

Medicare Supplement (Medigap) Chart shows the benefits that each lettered plan covers.

* Plan F comes with a high deductible option which covers the same exact benefits after you satisfy the annual deductible. We really like Plan F High Deductible (often called Plan F HD) so call us if you have questions on how it works.

**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.

How to Pick the Right Medigap Plan

I think you will agree that the Medigap Chart makes it easy to compare plans. Now, after you go over the above chart and decide which Medigap benefits you’ll want for now and in the future, then get a Medigap quote. This quote will usually return Plan F prices in your area. If you are looking for another lettered plan, please give us a call and we can look up what is available in your area and how much does it cost.

Remember all Medigap plans are standardized, so you can pick the plan letter you like best from any company and you’ll have the exact same benefits. Basically shop by price. Yes, in this case, cheaper can be better. 

For further questions call 800-930-7956 or click here for an instant Medigap insurance quote.

Print Friendly Version

Reader Comments and Questions

(Click here to leave a comment)

By Laura on August 12, 2019

If I have Medigap Plan F, will this cover fees for a psychologist that does not accept Medicare assignments and if so, how do I get reimbursed?

Laura,
Senior65 offers general Medicare information online so our clients can make informed decisions on purchasing supplemental insurance through us. If you are one of our clients, please give us a call to discuss your specific situation.

In general, Medigap works with the same network of doctors as Medicare so if the psychologist does not accept Medicare, Medigap typically won't cover for it.
-Chris from Senior65.com


By GAUTAM on August 16, 2018

current i have medicare advantage plan c for 7months. i can change this year to any plan. i am leaning to PLAN G . i take medication but does not cost me anything. because of advantage plan medicare is charging me premium for part D. PREMIUM WISE WHICH IS BEST COMPANY for PART G and if we move they will continue to cover in different state? For plan G is there additional cost like co pay annual part A deductible or portion of hospital cost i will be responsible? Please give best information and i will contact you.

Guatam,
To see Part G premiums just visit our instant quote page . Call us for Part D premiums be they usually run from $20-50 a month.
-Michelle from Senior65.com


By margaret on April 09, 2018

I was denied PLAN G coverage because I take a certain pain pill sometimes for pain. I only get about 2 filled prescriptions per year...not 12 months a year. I was told I could appeal but then there may be other things they may want more info about. This is a losing situation for coverage from this insurer. They would just find some other reason to deny me coverage. I have Plan F with a different insurer but it is very costly. Is there any way to lower my premiums and maintain high coverage?

Margaret,
Some plan G providers do not include your prescriptions in their underwriting consideration. Give us a call and we can see if we can match you with a provider that will save you money and approve your application.
-Michelle from Senior65.com


By Anne on October 04, 2017

My father-in-law is moving from Michigan to Kentucky. He currently has Medigap Plan C coverage. Does he have to do anything more than call Blue Cross Blue Shield of Michigan and tell them of the change of address?

Anne,
The move should allow him to apply for a new Medigap plan in Kentucky. If you would like assistance with this, please give us a call.
-Chris from Senior65.com


By Debra on May 25, 2017

What is the benefit of working with an agency rather than contacting the insurance company directly to sign up?

Debra,
Great question! The benefits of working with an independent insurance agency, like Senior65, versus directly applying through an insurance company are: 1) There's no fee to work with Senior65, 2) We work like a search engine; therefore we look at the best price from the multiple companies in your area, 3) Senior65 is customer service based, which means you send one email or call and we do all the research, help with billing, find out which is the best drug/Medigap/Medicare Advantage plan based off your individual needs. For further information, call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Chris from https://www.senior65.com/


By Gail on May 05, 2017

I'm concerned about these excess charges that Plan N doesn't cover. If I had to go to the hospital or have a procedure, how would I know if the doctor, or whomever, will be charging me the excess 15%?

Gail,
We understand your concern. Unfortunately, if you have an emergency you won't know what doctors or other caregivers accept assignment, and you could have a hefty bill. If this is your concern, enroll in Medigap F or G. For further help call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Mary b. on May 03, 2017

I cannot believe you are still recommending plan F when it will be a grandfathered plan in 3 years! The premiums can only go up without new enrollees and plan G offers all the same bene's except for the part B deductable and saves the enrollees 900 some dollar's which more than makes up for the 184.00 deductible that isn't covered.


By Michael Paul Beights on March 30, 2017

The article was dated 2015. It had a chart for comparison of medigap plans. Please send me one for 2017. I turn 65 in June and live on social security.

Michael,
Medigap plans are federally regulated, so the comparison chart is correct, except for the K and L out of pocket maximums, but those are updated below the chart. If you need help finding a Medigap plan call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/


By VH on August 20, 2016

I am researching Medicare supplement plans for my brother. Why does your site only list the rates for 3 plans in my area when I know there are many more available? Is that because you are only contracted with those 3 plans? I'm looking for a comprehensive comparison table.

VH,
Great question! While it may be because we only offer the 3 companies listed in your area, sometimes not all of the companies we represent are listed. If you would like to confirm, please call one of our licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/


By Edwina Autrey on August 15, 2016

Just wanted to know how much your supplement medical insurance is for senior. I'll be 65 next month.and D plan for prescription are.

Edwina,
We'd be happy to help! Click here to get a personalized Medicare Supplement quote. Getting a Part D quote is not quite so easy. We would need a list of your drugs and dosages in order to find the best plan for your needs. Please call one of our licensed independent insurance agents at 800-930-7956 to help with your Medicare Health Plan needs.
-Amy from https://www.senior65.com/


By Diana Merrill on August 15, 2016

I am in Oklahoma and will be 65 in Nov. After a divorce three years ago I was physically unable o go back to work, and subsequently ended up 2 credits short for Social Security, My ex will turn 66 in 4 years (his full retirement age) and i can draw S. S. from him. I was told by SS that I didn't qualify for Medicare and just recently was told I must purchase a Medicare policy and get plan F. But it sounded like I would need to pay the part A premium, the part B premium, the plan F premium, and also the Part D premium. Confusion is not a strong enough word! All I have to live on is the IRA I ended up with in the divorce, so my income is limited. Any help you can give me on this would be appreciated!!

Diana,
That is a frustrating situation! First, you'll want to contact CMS to understand what you are eligible now and when your ex-husband retires. After you do that, we have some creative solutions to help you save some money on a Medicare Health plan. Give one of our Senior65 licensed independent insurance agents a call at 800-930-7956.
-Chris from https://www.senior65.com/


By Carol on August 05, 2016

Am I correct? Plan N does not cover part b excess charges, even after the deductible is met...

Carol,
You are correct! Only Medigap Plan F and G cover Part B excess charges -none of the other Medigap plans will cover Part B excess charges, even after you meet your deductible. If you need help deciding between Medigap plans, please call 800-930-7956.
-Michelle from https://www.senior65.com/


By Carol on August 02, 2016

Why do the rates for any medigap plan vary so much from insurance provider to ins provider? If they all cover the exact same things (plan to plan, ie plane f to plan f) it makes no sense. Do the lower entry rates tend to go up more year to year, than the higher starting rates? Does it have something to do with iniation age, versus number of years on the plan? I just find it confusing. Thank you, Carol

Carol,
We agree that it's very confusing! There really isn't a rhyme or reason to the different rates. If you're interested to see how rates increase please call one of our licensed independent insurance agents at 800-930-7956. We can break down how plans have historically increased, that way you can make the most educated decision.
-Amy from https://www.senior65.com/


By Susan odell on June 20, 2016

I have insurance through my former employer I'm paying $300 a month which I think is ridiculously high but I don't have to pay any out-of-pocket expense I want to change this coverage and get something less expensive but I don't understand the Medicare and the Medicare Gap and everything else can I drop my employee coverage and find something less expensive and I could do not have dental or I either

Susan,
We know the transition to Medicare can be confusing! Main thing you need to know is that Medigap fills in the gaps of Original Medicare. So, if you want a plan with 0 out of pocket costs, you will want to look at Medigap Plan F. First thing to do is get a Medigap quote, and then if you have further questions, call one of our Senior65 licensed independent agents at 800-930-7956.
-Amy from https://www.senior65.com/


By Lee on February 17, 2016

I read that "some health insurance may deny benefits for motor vehicle accident related injuries, or put a cap on it" and that is one reason for people to add personal injury coverage to their auto policy. So my question is, if someone has Medicare with a supplement, are car accident related injuries covered, and if they are, is there a cap on how much it will pay? Thanks

Lee,
Usually, if you have a motor vehicle accident your auto insurance will pay first for your injuries. When that cap runs out or if you don't have health insurance, then your health insurance will pay toward your care. I am not aware of a qualifying health plan that does not cover injuries from a motor vehicle accident. Remember that not all Medicare Supplement plans (Medigap) offer the same benefits. For instance, if you needed Skilled Nursing Facility care after an accident, and you exhausted your auto insurance benefits,as you'll see from the chart above, Medigap Plans A and B do not pay toward your care, and Plans L and K pay 50 and 75%, respectively.

Now, the personal injury part of your auto insurance claim is when you are at fault or if you are hit by an insured motorist. Hope this explains it better.
-Amy from https://www.senior65.com/


By Lee on February 15, 2016

I'm torn between plans C and G. C covers part B deductible, while G doesn't, but G covers excess charges, while C doesn't. I see a Dr. maybe once or twice a year now. Do excess charges normally exceed the $166 deductible, or vice versa?

Lee,
Something that isn't talked about a lot is how expensive and unforeseeable Part B excess charges can be, and only Plan F or G cover them. For instance, if you're hospitalized, while your hospital might accept Medicare assignment, your doctor may not. If that is the case you will have to pay out the excess charges for your surgeon or other doctors. This cost can really add up, and can be way more than the Part B deductible.
-Eric from https://www.senior65.com/


By Lee on February 12, 2016

I see the doctor once a year, maybe twice at most. So barring a catastrophic event, paying 20% would be a lot cheaper than the cost of a supplement. If I don't get one when I turn 65, but decide at a later time to get one, is that easily done or would I have to go through underwriting, even during open enrollment?

Lee,
You are correct, it would be a lot less expensive to pay the 20%, if you only see the doctor once or twice a year. However, insurance isn't only purchased based on your current health, but rather what would happen if you had a serious illness or injury. In most states, you will not have guaranteed issuance for Medigap after your initial enrollment period, and while you can definitely apply, and we have many clients approved, if you were to have certain preexisiting conditions you can be charged more or denied. (Medicare's Open Enrollment is only for Medicare Advantage and Part D).
-Chris from https://www.senior65.com/


By James on February 01, 2016

Why doesn't one of the main sources for plans, offer plan G?? Is this a hard plan to get, or are there other insurance companies that offer it?

James,
While all Medigap companies must offer A, and if they offer any other plan it must be C or F, several companies offer Medigap Plan G. If you're finding one company that doesn't, you should have a handful of options from others in your area.
-Eric from https://www.senior65.com/


By Lee on February 01, 2016

Can you tell me the difference between plan D and plan N? According to the chart, they have exactly the same coverage. And looking at plans C and G, C covers part B deductible, while G doesn't, but G covers excess charges, while C doesn't. So which of these 2 plans usually costs more? Confusing stuff and then there's the drug plan to deal with...yikes. Thanks

Lee,
Great question! Plan D's coverage is very similar to Plan N's coverage, except that with Medigap Plan N you pay a $20 copay for office visits and $50 emergency room visits. As for which plan is less expensive, you'll need to weigh your annual premium with your approximate office visits to figure which one is the most cost effective.
-Chris from https://www.senior65.com/
.


By Mary on January 06, 2016

If I live in New York State, is it worth having a Medigap plan that covers Part B excess charges?

Mary,
Great question! Since New York, among a few other states, doesn't allow doctors, facilities, and suppliers to charge excess charges, you may not need it. However, if you want to see a doctor in another state you may need a plan that covers the excess charges. So, it really depends if you plan on spending a significant amount of time in another state. If not, then a Medigap plan without excess charge coverage, could be the right plan.
-Amy from https://www.senior65.com/


By ellen on January 05, 2016

Why aren't Medigap plans such as K and L more popular? These plans have an out-of-pocket limit, which in the case of a catastrophic medical event, could prevent one from being wiped out financially.

Ellen,
Absolutely, these plans will protect you from being financially ruined from a catastrophic event. However, you will still be paying out quite a bit each year after your premium for all services, and they do not cover foreign emergency travel, excess charges, and your Part B deductible. As well as, the premium is not that much less to make up the costs, and they don't have a lot of market share (not a lot of companies offer these plans), so this is why these plans aren't as popular. Hope this helps explain it better!
-Chris from https://www.senior65.com/


By Karl Jesaitis on November 14, 2015

Supplement plan pricing differs by insurer (e.g. we've been quoted $62-$85/mo for Plan F HD) How can I get a table of prices by carrier? Also is there a rating system for the carriers as there is for PDP carriers?. Thanks, Karl

Karl,
Thank you for your question. Medigap plans are not rated like prescription drugs or Medicare Advantage, because all Medigap lettered plans offer identical benefits. If you are unable to see Plan F High Deductible quotes on our site, please contact us at 800-930-7956, and we'd be happy to get you a quote.
-Amy from https://www.senior65.com/


By Mary on October 08, 2015

I have just turned 65, live in FL and in excellent health. I can afford the plan F premiums but I understand Medigap F (& C) will be discontinued in 2020. I am concerned that the premiums would make a huge jump after 2020 as no new retirees will be able to join that plan. Would a plan N or G make better sense?

Mary,
You are correct, as of 2020, new Medigap plans will not cover the Part B deductible. If you are enrolled in Plan C or F before 2020, you should be able to keep your plan. As for premiums jumping, historically they did not jump when previous Medigap policy changes were made, but we couldn't tell you specifically that what type of increases there could be after 2020.

As for choosing a Medigap plan, it is unclear if all Medigap plans will be restructured or just C and F. Our suggestion, is to choose the best plan that will cover you now and, historically, has a lower price increase each year. So, if you want Medigap C or F because you don't want to have a Part B deductible, then enroll in that one now. Hope this helps!
-Amy from https://www.senior65.com/


By janecda_52 on September 29, 2015

Confused on plan high deductibles on plan F. If I pay the plan deductible on plan A, does that mean I only have to pay the differance of the plan FHD?

You will have to meet the High F deductible completely before Medigap kicks in to pay toward your costs. So if you pay your Medicare Part A deductible, you will have to pay the remaining amount before Medigap will pay your medical costs.
-Amy from https://www.senior65.com/


By William wheeler on September 24, 2015

My wife's Plan N premiums are much less than my Plan F premiums. So far as I can see the only extra thing I am getting is coverage for "excess charges" . (The $20 copay is nominal since I do not go to the doctor all that often.) "Excess charges" in my case are so far minimal. In fact my providers charge well over Medicare acceptable rates since we live in New York City and reimbursement does not cover their overhead but that difference is not "excess charges" in my understanding. The question is under what dire conditions will "excess charges" exposure justify the vast difference in premiums between F and N?

William,
Great questions! Excess charges are charged when you go to a doctor who does not accept Medicare assignment. If you see this doctor, they are not allowed to charge more than 15% of Medicare's approved rate -this is the excess charge. Medigap Plan F covers this.

There are two other things that Medigap F covers that Medigap N does not cover. Medigap Plan F covers your Part B deductible and your copays. Medigap N not only does not cover the Part B deductible, it can require copays at doctors visits and emergency rooms visits.

With all of that said, you want to weigh the difference in the premiums against what you expect to pay out of pocket each year to see which is a better deal for you. If you need further help (we know this is complicated!) please call a Senior65 agent at 800-930-7956.
-Amy from https://www.senior65.com/


By Karen on September 10, 2015

I just want a quote for F HD here in Nevada, Clark County. Zip is 89108. I am 73 and just signing up for Medicare Part B because I've always been employed and had health coverage. Already have Part A.

Karen,
Thank you for your question. If you are unable to get a Medigap High F quote on our site, please call us at 800-930-7956.
-Amy from https://www.senior65.com/


By Joe on September 06, 2015

I am debating between F hd ( high deductible ) and N. I have done the math as much as possible and I keep coming up with Fhd, however seem to be a bit nervous about it although the premium savings seem to be the best. Can you provide some insight on this and a recommendation. Thanks, joe

Joe,
Really what it comes down to with Medigap High F is if you don't mind paying a large chunk of money at once if you have an emergency, and if the High F premium savings is significant. Most of our clients prefer to have immediate coverage, like Medigap N. If you need additional help, contact us at 800-930-7956, we can help you figure out which plan is right for you.
-Michelle from https://www.senior65.com/


By Annie C. on June 04, 2015

For me, Medigap F ends up being less expensive than C and G. I'm going with F. Good chart. Very good insight.


By Fausto F. on May 21, 2015

It looks like G covers everything F does with the exception of the Par B deductible. Should I just go with G?

Fausto,
Good question. Medigap Plan G is a good way to go if you find a plan that is less expensive than Medigap F (premium plus Part B deductible are less than F's premium), if not, go with Plan F. Hope this helps.
-Amy from https://www.senior65.com/


By Larry K. on May 20, 2015

Thanks Rich. It looks like C is a good option for me too. Have you checked out G? It's a pretty good deal.


By Rich on May 20, 2015

Amy, thanks for sending me here from the other article. This is really clear. I think I'm going with Medigap C. @Larry, you should check it out. It saves a few bucks a month and I only have to pay for excess charges.


By Larry K. on May 19, 2015

Plan F covers the most, but do you really think it's the way to go? I'm in good health, but I do travel a bit to visit family in Europe. Would love your thoughts.

Larry,
While we do recommend Medigap F because it offers the most coverage, as well as it is the most popular Medicare Supplement plan, we do know that the cost can be prohibitive. If that is the case, we suggest enrolling in a plan that covers the most but still keeps you within your budget.

And, one last thing, since you travel, we definitely suggest enrolling in one of the 6 Medigap plans that offer foreign emergency travel, as generally Medicare doesn't cover foreign travel, including cruising. Hope this helps!
-Michelle from https://www.senior65.com/



Leave a Question or Comment Below

If you would like to receive an instant answer, try our new answerbot

If you are already working with an insurance agent, please direct your question to him or her.

If you do not have an agent (or you are unsatisfied with your agent's knowledge or service), shoot us your Medicare insurance question below and consider enrolling in a plan through Senior65! For more check out "Why work with Senior65?"

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.












We will not publish your last name or email if you submit this form.



It's 100% FREE to work with Senior65

Call our licensed agent today at 800-930-7956. Click here to learn 5 great reasons to work with Senior65.com