Medicare Supplement Plans are plans sold by private insurance companies that help fill the gaps in Original Medicare coverage. Also called Medigap, these plans help cover costs not covered by Original Medicare like coinsurance, deductibles, and copayments.
Explore My Plan OptionsWhat Are The Different Medicare Supplement Plans?
Depending on where you live, you may have up to 10 different Medicare Supplement plans to choose from.
All Medigap plans provide coverage for the same basic benefits: Part A coinsurance/hospital costs, Part B coinsurance/hospital costs, the first three pints of blood used in a procedure, and your Part A hospice care coinsurance or copayment.
Here are the different Medigap plans available and their coverage:
| Benefit | A | B | C** | D | F** | G | K | L | M | N*** |
|---|---|---|---|---|---|---|---|---|---|---|
| Basic benefits (Part A and B coinsurance, first 3 pints of blood, hospice coinsurance) | Full | Full | Full | Full | Full | Full | 50%* | 75%* | Full | Full |
| Skilled nursing facility care coinsurance | - | - | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A deductible | - | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Part B deductible | - | - | Yes | - | Yes | - | - | - | - | - |
| Part B excess charges | - | - | - | - | Yes | Yes | - | - | - | - |
| Foreign travel emergency (up to plan limits) | - | - | 80% | 80% | 80% | 80% | - | - | 80% | 80% |
*Plans K and L cover full Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up, then 50% (K) or 75% (L) of the remaining basic benefits. 2026 out-of-pocket limits: Plan K $8,000; Plan L $4,000. After you meet your out-of-pocket yearly limit and your yearly Part B deductible, Medigap Plans K and L pay 100% of covered services for the rest of the calendar year.
**You cannot buy Plans C and F if you were new to Medicare on or after January 1, 2020.
***Plan N pays 100% of the Part B coinsurance, except a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't result in an inpatient admission.
How To Choose Between Medicare Supplement Plans
Choosing the right Medicare Supplement plan for your needs is critical to get the coverage and financial protection that's right for you. Consider the following in making your decision:
- How much medical care you typically receive as well as how much medical care you think you'll need in the future
- The types of medical care you usually receive and the types of medical care you think you'll need in the future
- Your comfort with a cost-sharing model versus a full coverage model
- The costs for each plan (make sure you look at how each plan is rated to get a full picture of cost)
- Your plans for travel throughout your retirement
Reach out to Simple Retirement Benefits
Still weighing your Medicare options? We'll walk through them with you and narrow the list to the plans that fit your doctors, prescriptions, and budget.