There are eight 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. While there are 8 Medigap plans available for enrollment, not all plans will be available in your area.
Medigap Comparison Chart
Medicare Supplement (Medigap) Chart shows the benefits that each lettered plan covers.
| Benefits | A | B | D | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,632) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($240) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%* |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,060 | $3,530 |
*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.
If you qualified for Medicare Part B before 2020, you may have the option of Medigap Plan F.
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How to Pick the Right Medigap Plan
We think you will agree that the Medigap Chart makes it easy to compare plans. Now that you have had a chance to compare Medigap benefits, you will find it easy to choose a plan that is best for you. With that said, we have a recommendation.
Our Medicare Supplement plan recommendation is Medigap Plan G. As you can see, it’s the Medicare Supplement plan that offers the most coverage. If you find the premium is too high in your area, consider Medigap Plan N.
Keep in mind with Medicare Supplement Plan N, while you’ll pay less than Plan G per month for your premium, if you visit the doctor frequently (up to $20 a visit) or emergency room ($50 per visit), it could end up costing a lot more.
Pro tip: 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.
Next Steps
Now that you understand the difference between plans, get a Medigap plan quote and enroll. If you have further questions, call one of our licensed agents at 800-930-7956.
Remember our agents can NOT charge you a fee for a quote or to enroll you. So utilize us!