Medigap policies are standardized
Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a standardized policy identified in most states by letters.
As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you can keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans (Plan C or F).
✅ = the plan covers 100% of this benefit
❌ = the policy doesn’t cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
|Plan A||Plan B||Plan C||Plan D||Plan F*||Plan G*||Plan
|Plan M||Plan N|
|Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up||✅||✅||✅||✅||✅||✅||✅||✅||✅||✅|
|Part B coinsurance or copayment||✅||✅||✅||✅||✅||✅||50%||75%||✅||✅***|
|Blood (first 3 pints)||✅||✅||✅||✅||✅||✅||50%||75%||✅||✅|
|Part A hospice care coinsurance or copayment||✅||✅||✅||✅||✅||✅||50%||75%||✅||✅|
|Skilled nursing facility care coinsurance||❌||❌||✅||✅||✅||✅||50%||75%||✅||✅|
|Part A deductible||✅||✅||✅||✅||✅||✅||50%||75%||50%||✅|
|Part B deductible||❌||❌||✅||❌||✅||❌||❌||❌||❌||❌|
|Foreign travel exchange (up to plan limits)||❌||❌||80%||80%||80%||80%||❌||❌||80%||80%|
$6,940 in 2023
$3,470 in 2023
* 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 $2,700 in 2023 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.
Our team is made up of compassionate, friendly individuals who understand the unique needs of older adults. We take the time to listen to your concerns and provide personalized solutions that work for you. We provide additional and detailed information on Medicare Health Plans and a no-cost plan comparison to determine if you qualify for additional benefits.