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Medicare Supplements
(Medigap)

Medicare supplements, or Medigap, fills in the “gaps” in cost coverage of Original Medicare. Essentially, any out-of-pocket costs of Original Medicare are instead covered by your Medigap plan.

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While supplement plans do not provide additional coverage, they do cover the high copayments, coinsurance, and other costs of Original Medicare. Copayments and coinsurance are fees charged for the use of healthcare services/equipment.

 

Here are just a few of the payments covered by Medigap:

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  • Part A Hospital Deductible

  • Part B Annual Deductible

  • Most Outpatient Services and Medical Supplies

  • Skilled Nursing Facility Care

  • The First 3 Pints of Blood Needed for Blood Transfusion

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There are many different Medicare Supplement plan options to choose from, each offering a different variety of coverage options. This allows for personalization of your cost and care needs, making it a great option for Medicare Beneficiaries.

Brief Explanation

Click a plan on the left side of your screen (Desktop) or scroll (Mobile) to see a detailed breakdown of each plan. 

  • Medigap Plan A: Plan A is the most basic of the plan options. It covers some Medicare Part A and Part B costs, including hospital and hospice coinsurance/copayment, Part B coinsurance/copayment, and some blood transfusion.

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  • Medigap Plan B: Medigap Plan B covers all the same costs as Plan A, as well as the Medicare Part A deductible.

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  • Medigap Plan C: Plan C covers all the same costs as Plans A and B, as well as skilled nursing care facility coinsurance, Medicare Part B deductible, and 80% of foreign travel emergency care costs.

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  • Medigap Plan D: Plan D covers the same costs as Plan C except for the Medicare Part B deductible and Part B excess charges.

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  • Medigap Plan F: Plan F is the most comprehensive coverage option of the 12 plans. It covers all the same coverage as Plan C, as well as 100% of part B excess charges.

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  • Medigap Plan G: Plan G offers the same coverage as Plan F except for the Medicare Part B deductible.

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  • Medigap Plan K: Plan K covers 100% of Part A coinsurance & hospital costs, 50% of Part B coinsurance or copayments, 50% of the first 3 pints of blood for transfusions, 50% of the Part A hospice care coinsurance or copayments, 50% of skilled nursing care facility coinsurance, and 50% of the part A deductible.

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  • Medigap Plan L: Plan L covers 100% of Part A coinsurance & hospital costs. It also covers 75% of the same costs as Part K.

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  • Medigap Plan M: Plan M covers 100% of Part A coinsurance & hospital costs, 100% of Part B coinsurance or copayments, 100% of the first 3 pints of blood for transfusions, 100% of the Part A hospice care coinsurance or copayments, 100% of skilled nursing care facility coinsurance, 50% of the part A deductible, and 80% of Foreign Travel Emergency Care.

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  • Medigap Plan N: Plan N covers 100% of Part A coinsurance & hospital costs, 100% of Part B coinsurance or copayments, 100% of the first 3 pints of blood for transfusions, 100% of the Part A hospice care coinsurance or copayments, 100% of skilled nursing care facility coinsurance, 100% of the part A deductible, and 80% of Foreign Travel Emergency Care.

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  • High Deductible Plan F: The difference between this plan and the regular Plan F is that this plan charges a significantly low monthly premium and a higher yearly deductible.

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  • High Deductible Plan G: The same idea applies to this plan as High Deductible Plan F.

Medicare Misty Medigap Plan Comparison
Plan A

Plan A

Although Medigap Plan A is the most basic of the 12 Medigap plans, it still has a lot to offer. This plan is perfect for those who need great cost coverage for Original Medicare at a very low price.

Make sure that you do not confuse Medigap Plan A with Medicare Part A. Plan A is supplemental insurance to cover Medicare out-of pocket costs, while Part A is hospital insurance provided through the federal government as part of Original Medicare.

 

Cost

 

Plan A is a great option for those who don’t want to pay for coverage they won’t use. You will pay a significantly lower monthly premium and have your most basic healthcare costs covered.

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Your monthly premium for Medigap Plan A depends on the provider you choose. While all companies offer the same coverage, some benefits options and costs will vary.

Coverage

 

Medigap Plan A covers 100% of:

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  • Medicare Part A coinsurance payments for inpatient hospital care up to an additional 365 days after Medicare benefits are used

  • Medicare Part B copayment or coinsurance expenses

  • The first 3 pints of blood for transfusions

  • Part A hospice care coinsurance/copayment

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Medigap Plan A and all 12 Medigap plans cover 100% of all 4 categories except Plans L and K, which cover 75% and 50% of the last 3 categories, respectively.

Plan B

Plan B

Medigap Plan B is a low-premium option for Medicare supplemental insurance. A premium is a monthly fee paid for continued coverage. This and all supplemental plans are not intended to provide additional coverage—they instead cover the additional costs of Original Medicare.

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Cost

 

Medigap Plan B is a low-premium option for Medicare supplemental insurance. A premium is a monthly fee paid for continued coverage. This and all supplemental plans are not intended to provide additional coverage—they instead cover the additional costs of Original Medicare.

Coverage

 

Medigap Plan B covers a variety of Original Medicare costs. These costs include:

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  • Medicare Part B copayments/coinsurance

  • The first three pints of blood for transfusion

  • Medicare Part A deductible and hospital expenses/coinsurance up to 365 days

  • Part A hospice care copayment/coinsurance

Plan D

Plan D

Medigap Plan D offers great coverage options. It is similar to Medigap Plan C and G, but with one less coverage option in order to fit your needs at a lower cost.

Make sure you do not confuse Medigap Plan D with Medicare Part D—Medigap Plan D is a form of supplemental insurance, while Plan D is a prescription drug coverage plan you can add to your Original Medicare plan.

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Coverage

 

Medigap Plan D’s coverage options include:

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  • Part A Coinsurance & Hospital Costs

  • Part B Coinsurance or Copayment

  • First 3 Pints of Blood for Transfusions

  • Part A Hospice Care Coinsurance or Copayment

  • Skilled Nursing Care Facility Coinsurance

  • Part A Deductible

  • 80% of Foreign Travel Emergency Care

Plan G

Plan G

Medigap Plan G is a high-coverage supplemental insurance option. It covers what Original Medicare alone does not, and it is very helpful to avoid unmanageable out-of-pocket costs.

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Coverage

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Medigap Plan G covers 100% of all available healthcare costs except your Part B deductible. This includes:

  • Part A Coinsurance & Hospital Costs

  • Part B Coinsurance or Copayment

  • First 3 Pints of Blood for Transfusions

  • Part A Hospice Care Coinsurance or Copayment

  • Skilled Nursing Care Facility Coinsurance

  • Part A Deductible

  • Part B Excess Charges

  • 80% of Foreign Travel Emergency Care Costs

Plan K

Plan K

Medigap Plan K works a bit differently than its 6 previous counterparts (Plans A, B, C, D, F, and G). Rather than covering 100% of certain healthcare costs, it covers typically about 50% of costs, reducing its monthly premium payments.

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Coverage

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Medigap Plan K covers specific percentages of costs. These costs include:

  • 100% of Part A Coinsurance & Hospital Costs

  • 50% of Part B Coinsurance or Copayment

  • 50% of the First 3 Pints of Blood for Transfusions

  • 50% of Part A Hospice Care Coinsurance or Copayment

  • 50% of Skilled Nursing Care Facility Coinsurance

  • 50% of Your Part A Deductible

Plan L

Plan L

Medigap Plan L is a lower-cost supplement plan option. If you want a low monthly premium that still offers good coverage, this is a great plan for you. Unlike other plans, Plan L typically covers 75% of healthcare costs.

Coverage

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Medigap Plan L covers specific percentages of costs. These costs include:

  • 100% of Part A Coinsurance & Hospital Costs

  • 75% of Part B Coinsurance or Copayment

  • 75% of the First 3 Pints of Blood for Transfusions

  • 75% of Part A Hospice Care Coinsurance or Copayment

  • 75% of Skilled Nursing Care Facility Coinsurance

  • 75% of Your Part A Deductible

Plan M

Plan M

Medigap Plan M offers great coverage at a lower cost. Compared to other plans, it functions a bit differently. Rather than offering an overall cost coverage of 50% like Plan K, it covers 100% in most areas, and 50% of just the Medicare Part A deductible.​

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Coverage

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Medigap Plan M covers 100% in many areas except the Part A deductible. Its coverage includes:

  • 100% of Part A Coinsurance & Hospital Costs

  • 100% of Part B Coinsurance or Copayment

  • 100% of the First 3 Pints of Blood for Transfusions

  • 100% of Part A Hospice Care Coinsurance or Copayment

  • 100% of Skilled Nursing Care Facility Coinsurance

  • 50% of Your Part A Deductible

  • 80% of Foreign Travel Emergency Care

Plan N

Plan N

Medigap Plan N is a great option for Medicare beneficiaries who want good coverage at a low cost. It is a good middle ground between lower and higher coverage options.

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Coverage

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Medigap Plan N’s coverage is identical to Plan D. It includes:

  • Part A Coinsurance & Hospital Costs

  • Part B Coinsurance or Copayment

  • First 3 Pints of Blood for Transfusions

  • Part A Hospice Care Coinsurance or Copayment

  • Skilled Nursing Care Facility Coinsurance

  • Part A Deductible

  • 80% of Foreign Travel Emergency Care

High Deductible F

High Deductible F

High Deductible Plan F covers all the same medical care as Medigap Plan F. The way you pay for your coverage creates the biggest difference between the two plans.

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Cost

The cost of High Deductible Plan F is equivalent to the cost of Medigap Plan F. However, the way in which you pay your monthly premium and yearly deductible varies. Under Medigap Plan F, you will pay your premiums and deductible as usual.

As the name implies, you will pay a higher deductible and lower monthly premium under this version of Plan F. The deductible for 2022 is $2,490. This plan is perfect for those who:

  • Need a lower monthly premium.

  • Would rather pay for coverage up-front than month-to-month.

  • See the doctor or visit the hospital semi-frequently.

  • Live in states that allow excess charges.

Coverage

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The primary difference between High Deductible Plan F and Medigap Plan F is the way in which you cover your portion of costs. Their benefits, however, are identical, and both offer the most coverage options of any Medigap plan. These benefits include:

  • 100% of Part A Coinsurance & Hospital Costs

  • 100% of Part B Coinsurance or Copayment

  • 100% of the First 3 Pints of Blood for Transfusions

  • 100% of Part A Hospice Care Coinsurance or Copayments

  • 100% Skilled Nursing Care Facility Coinsurance

  • 100% of Your Part A and Part B Deductible

  • 100% of Part B Excess Charges

  • 80% of Foreign Travel Emergency Care Costs

High Deductible G

High Deductible G

High Deductible Plan G offers an alternative payment method to Medigap Plan G. As the name implies, you will pay a higher yearly deductible to then pay a lower monthly premium.

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Cost

 

Although High Deductible Plan G and Medigap Plan G cover the same healthcare costs, your payments on each plan differs. A fair way to compare High Deductible Plan G and Medigap Plan G is to look at their yearly and monthly costs.

As the name implies, you will pay a higher deductible of $2,490 a year (as of 2022) under High Deductible Plan G. Your monthly premium payments, however, will be significantly lower than the alternative.

High Deductible Plan G is great for those who:

  • Need a lower monthly premium.

  • Would rather pay for coverage up-front than month-to-month.

  • Visit doctors and hospitals semi-frequently.

  • Live in states that allow excess charges.

Coverage

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High Deductible Plan G covers all of the same medical benefits as Medigap Plan G. These benefits include:

  • 100% of Part A Coinsurance & Hospital Costs

  • 100% of Part B Coinsurance or Copayment

  • 100% of the First 3 Pints of Blood for Transfusions

  • 100% of Part A Hospice Care Coinsurance or Copayment

  • 100% of Skilled Nursing Care Facility Coinsurance

  • 100% of Your Part A Deductible

  • 100% Part B Excess Charges

  • 80% of Foreign Travel Emergency Care Costs

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