How do I compare Medigap Policies?
The chart below shows basic information about the different benefits that Medigap policies cover for 2019. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you're responsible for the rest.
Medicare Supplement Insurance (Medigap) plans
Available to All Applicants
Medicare first eligible before 2020 only
Plan C & F - Medicare no longer offers these plans for new eligibles in 2020
1 Plans F & G also have high deductible options which require first paying a flat deductible $2340 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible
** For Plans K and L pay 100%, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($198 in 2020), the Medigap plan pays 100% of covered services for the rest of the calendar year (excluding Part B Excess fees of 15%).
*** 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 co-payment for emergency room visits that don't result in an inpatient admission. Plan N does not cover Part B Excess Charges.