Medicare Supplement (Medigap) plans are standardized at the federal level, which means each plan letter provides the same core benefits regardless of the insurance company offering it. The primary difference between insurers is the premium you pay. Below is an overview of every available plan.
Medigap Plans Currently Available
The following Medigap plans are open to new enrollees:
- Plan A - Basic benefits only
- Plan B - Basic benefits plus the Part A deductible
- Plan D - Broad coverage without Part B excess charges
- Plan G - Comprehensive coverage (the most popular option for new enrollees)
- Plan K - Cost-sharing plan that covers 50% of certain benefits
- Plan L - Cost-sharing plan that covers 75% of certain benefits
- Plan M - Covers 50% of the Part A deductible
- Plan N - Broad coverage with modest copays for some visits
Note: Plans C and F are no longer offered to individuals who became newly eligible for Medicare on or after January 1, 2020. Those who were eligible before that date may still purchase or retain these plans.
Coverage Breakdown by Plan
Every Medigap plan includes these baseline benefits:
- Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits run out)
- Part B coinsurance or copayment (varies by plan)
- Blood (first three pints per year)
- Part A hospice care coinsurance or copayment
Side-by-Side Plan Comparison
| Benefit | Plan G | Plan N | Plan K | Plan A | |---|---|---|---|---| | Part A deductible | Yes | Yes | 50% | No | | Part B deductible | No | No | No | No | | Part B coinsurance | 100% | 100%* | 50% | 100% | | Part B excess charges | Yes | No | No | No | | SNF coinsurance | Yes | Yes | 50% | No | | Foreign travel emergency | Yes | Yes | No | No |
*Plan N requires a copay of up to $20 for office visits and up to $50 for emergency room visits that do not lead to an admission.
Plan G: The Most Commonly Chosen
Since Plan F is no longer available to new enrollees, Plan G has risen to become the most popular Medigap plan. It covers nearly all out-of-pocket expenses except the annual Part B deductible ($257 in 2026). For most beneficiaries, the premium savings compared to the former Plan F more than make up for paying the Part B deductible out of pocket.
Plan N: A Lower-Premium Alternative
Plan N provides somewhat lower premiums than Plan G in exchange for small copays at doctor and emergency room visits. It does not cover Part B excess charges, but those charges are relatively rare in practice.
How to Pick the Right Plan
When choosing a Medigap plan, weigh these factors:
- Budget - Plans with higher coverage carry higher premiums but lower out-of-pocket costs
- Healthcare usage - Frequent doctor visits may justify a more comprehensive plan
- Risk tolerance - Cost-sharing plans (K and L) offer lower premiums but come with higher potential expenses
- Provider billing - If your providers accept Medicare assignment, Part B excess charges will not be an issue
Be sure to compare premiums from several insurance companies for the same plan letter, since the benefits are identical but pricing can differ substantially. For a broader overview of how Medigap works, see our full guide to Medicare Supplement insurance.