Many of our clients ask how many Medigap plans are available beyond Medigap plan G.  The answer is tricky and can depend on what state you live in and what providers are in your area. 

Reviewing all the Medigap plan offerings can seem overwhelming but it doesn’t have to be.

How many Standardized Medigap plans are available?

There are generally believed to be 10 standardized Medigap plans available in most states, designated by the letters A through N. These plans are standardized, meaning the benefits and out-of-pocket costs are the same no matter which insurance company you purchase the plan from. However, not all plans are available in every state and there are variations like high deductible plans, “Select” and “innovative plans” which are not included in that number.

What are the names of the Available Standardized Medigap plans?

The 10 standardized Medigap plans in the United States are designated by letters A through N, and are named as follows:

  1. Plan A
  2. Plan B
  3. Plan C
  4. Plan D
  5. Plan F
  6. Plan G
  7. Plan K
  8. Plan L
  9. Plan M
  10. Plan N

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Please note that some plans, such as Plan C and Plan F, are no longer available to new enrollees. Additionally, not all plans are available in every state.  Some states, like Massachusetts, do not offer any lettered plans but instead offer a different Medigap system.  There are also Medigap select plans that have the same benefits but smaller networks of doctors. 

How many high-deductible Medigap plans are available? 

In addition to the standard Medigap plans (A-N), there is also a high-deductible version of Plan F and Plan G available.

High Deductible Plan G,” has an $2,800 annual deductible but it offers the same benefits as Plan G once the insured has paid the deductible. The high-deductible version of Plan G is ideal for individuals who are looking for a Medigap plan with lower monthly premiums and are willing to pay a higher deductible in exchange. However, it’s important to note that not all insurance companies offer a high-deductible version of Plan G and availability may vary by state.

There is also a High Deductible F that works just like High deductible G above but also covers the Part B deductible (once you satisfy the $2,800 deductible).  High deductible F is not available to those who first became Medicare eligible after Jan 1, 2023. 

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How many Medigap plans with Extra Benefits are available?

In addition to the standard Medigap plans (A-N), some insurance companies may offer “Medigap with Extra Benefits” plans, which are similar to the standard plans but include innovative coverage not included in the standard plans. For example, one such plan is “G Extra,” which is a variation of the standard Plan G that includes additional benefits such as coverage for telehealth services, hearing aids, vision, and more. Learn all about Medigap plans with extra benefits here.


With so many plans available why do most people buy Medigap G  and F?

Most people tend to choose Medigap Plan G and Plan F because they consider them to be some of the most comprehensive and widely available plans. Plan G and Plan F offer coverage for most or all of the out-of-pocket costs associated with Original Medicare, including the Part A deductible, Part B deductible, and coinsurance amounts. This makes them a popular choice for individuals who are looking for a Medigap plan that provides a high level of financial protection against unexpected medical expenses.

Additionally, Plan G and Plan F tend to be more widely available than some of the other Medigap plans, and insurance companies often offer them at competitive prices. This makes it easier for individuals to compare the benefits and costs of these plans and choose the one that is best for their needs. Many companies don’t offer some of the less popular plans like Medigap Plan M.  Often times when firms offer them, they end up costing more than plans with richer benefits like Medigap Plan G.  

If you need help selecting a plan, use our Medicare Plan Recommendation wizard.

Before enrolling in a Medigap plan, we recommend that you compare the benefits and costs in your state to determine which one is best for you.  You can get an instant quote here or you can give us a call at 800-930-7956.  There is never a charge to use and no one can offer the same plan for less than we can.