Every Medigap plan, side by side.
Medicare Supplement plans are lettered A through N, and by law each letter covers the exact same benefits at every carrier. That means the whole decision comes down to which letter fits you. Here’s the complete comparison — read the full chart, or pick any two plans to compare head to head.
How to read the chart
Every Medigap plan is measured against the same short list of costs Original Medicare leaves behind. In the chart, a check means the plan covers that benefit in full, a percentage means it pays part, and a dash means you pay it yourself.
The full A–N comparison chart
All eleven plans (A through N, plus High-Deductible G) against every benefit. The three most popular plans are highlighted.
| Benefit / Gap | A | B | C | D | FPopular | GPopular | HD-G | K | L | M | NPopular |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance + 365 extra hospital days | |||||||||||
| Part B coinsurance the 20% Medicare leaves | 50% | 75% | Yes · copay¹ | ||||||||
| Blood first 3 pints | 50% | 75% | |||||||||
| Part A hospice coinsurance | 50% | 75% | |||||||||
| Skilled nursing coinsurance days 21–100 | — | — | 50% | 75% | |||||||
| Part A deductible per benefit period | — | 50% | 75% | 50% | |||||||
| Part B deductible yearly | — | — | — | — | — | — | — | — | — | ||
| Part B excess charges | — | — | — | — | — | — | — | — | |||
| Foreign travel emergency 80%, up to limits | — | — | — | — | |||||||
| Yearly out-of-pocket limit | — | — | — | — | — | — | Yes² | Yes | Yes | — | — |
| Open to new enrollees? eligible 2020 or later | No³ | No³ |
Compare any two plans
Torn between two letters? Pick them below and we’ll line them up benefit by benefit — and highlight exactly where they differ.
Plan vs. plan
Choose two plans to see a focused side-by-side. Rows where they differ are highlighted in gold.
Plan-by-plan profiles
A quick profile of every plan — its nickname, what makes it different, and who it tends to fit best.
Covers the core basic benefits only — the lowest coverage of the lettered plans.
Everything in Plan A, plus the Part A hospital deductible.
Both deductibles, skilled nursing, and travel. Closed to those newly eligible in 2020 or later.
Almost identical to Plan G — it just doesn’t cover excess charges. Open to all.
Covers every standardized gap, including both deductibles. Closed to 2020-and-later eligibles.
Covers everything except the small Part B deductible. The most popular plan for new enrollees.
The same coverage as Plan G, but it kicks in after you meet a yearly deductible.
Pays half of most benefits, then 100% after you hit a yearly out-of-pocket cap.
Pays three-quarters of most benefits, with a lower yearly cap than Plan K.
Splits the Part A hospital deductible with you; most other benefits are covered in full.
Near Plan G coverage for a lower premium, in exchange for small copays at some visits.
The three most popular plans
Of all eleven, three account for the large majority of everyone with Medigap. If you’re comparing, your choice very likely comes down to these.
Covers everything except the small Part B deductible. Maximum predictability — also comes in a low-premium high-deductible version.
Nearly matches Plan G for a lower premium, in exchange for small copays at some office and ER visits.
Covers every gap, including both deductibles. Available only to those eligible before Jan 1, 2020.
Because every Plan G (or N, or any letter) is identical in coverage across carriers, the chart can’t tell you the one thing that varies: price. The same plan can cost noticeably more or less depending on the company — which is exactly what a free comparison sorts out. What is a Medicare Supplement →
Explore next
Found your plan? Now let’s find your price.
The chart shows what each plan covers — we’ll show you what it costs. Tell us the letter you’re leaning toward (or let us recommend one) and we’ll compare real rates from 30+ A-rated carriers in your area. Free, unbiased, no pressure.
May River Medicare Insurance is an independent agency and is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS. Medigap benefits are federally standardized; premiums vary by carrier, age, location, and tobacco use. Massachusetts, Minnesota, and Wisconsin standardize their plans differently. Plans C and F are available only to those eligible for Medicare before January 1, 2020. For a complete list of your options, contact Medicare.gov or 1-800-MEDICARE.