Learn important comparisons between Medigap Supplement Plans A-N

Medigap

Medigap Policies

  • Medigap Plan A
  • Medigap Plan B
  • Basic Benefits
  • Medicare Part A Hospital Deductible

 

Medigap Plan F*

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing-Home Coinsurance
  • Medicare Part B Deductible
  • Medicare Part B Excess Charges
  • Pays 100 percent of the difference between your doctor’s charge and the approved amount, if your doctor does not accept assignment
  • Foreign Travel Emergency

*Plan F also has a “high-deductible” option. In 2016, if you choose the high-deductible option for Medigap plan F, you will first have to pay $2,180 in health care expenses before the plan pays anything. This amount can go up every year. High-deductible policies have lower premiums, but if you get sick, your costs will be higher.

 

Medigap Plan G

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing-Home Coinsurance
  • Medicare Part B Excess Charges
  • Pays 100 percent of the difference between your doctor’s charge and the Medicare-approved amount, if your doctor does not accept assignment
  • Foreign Travel Emergency

 

Medigap Plan K

  • Basic Benefits
  • 100 percent of Part A coinsurance plus coverage for 365 days after Medicare benefits end
  • 50 percent of hospice cost-sharing
  • 50 percent of Medicare-eligible expenses for the first three pints of blood
  • 50 percent Part B coinsurance after you meet the yearly deductible for Medicare Part B, but 100 percent coinsurance for Part B preventive services
  • 50 percent of Skilled Nursing-Home Coinsurance
  • 50 percent of  Medicare Part A Hospital Deductible
  • Annual Out-of-Pocket Limit of $ 4,940 in 2015

 

Medigap Plan L

  • Basic Benefits
  • 100 percent of Part A coinsurance plus coverage for 365 days after Medicare benefits end
  • 75 percent of hospice cost-sharing
  • 75 percent of Medicare-eligible expenses for the first three pints of blood
  • 75 percent Part B Coinsurance (after you meet the yearly deductible for Medicare Part B, but 100 percent coinsurance for Part B preventive services)
  • 75 percent of Skilled Nursing-Home Coinsurance
  • 75 percent of Medicare Part A Hospital Deductible
  • Annual Out-of-Pocket Limit of $2,470 in 2015

 

Medigap Plan M

  • Basic Benefits
  • Medicare Part A Hospital Deductible 50%
  • Skilled Nursing-Home Coinsurance 100%
  • Medicare Part B Deductible 100%
  • Blood first 3 pints 100%
  • Foreign Travel Emergency 80%

 

Medigap Plan N

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing-Home Coinsurance
  • Medicare Part B Deductible
  • Medicare Part B Excess Charges (Pays 100 percent of the difference between your doctor’s charge and the Medicare-approved amount, if your doctor does not accept assignment)
  • Foreign Travel Emergency
    • $20 Office Visit Copay
    • $50 Emergency Room Copay (waived if admitted)