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There are 10 standardized Medicare Supplement Insurance (Medigap) plans that are available in most states. These plans are labeled Plan A, B, C, D, F, G, K, L, M and N.
You can use the 2024 Medigap plan chart below to compare the benefits that are offered by each type of plan.
| Medicare Supplement Benefit | A | B | C* | D | F1* | G1 | K2 | >L3 | M | N4 |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital coverage | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B coinsurance or copayment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice care coinsurance or copayment | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| First 3 pints of blood | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ | |
| Skilled nursing facility coinsurance | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ | ||
| Part A deductible | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ | |
| Part B deductible | ✔ | ✔ | ||||||||
| Part B excess charges | ✔ | ✔ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% |
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.
1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2 Plan K has an out-of-pocket yearly limit of $7,060 in 2024. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3 Plan L has an out-of-pocket yearly limit of $3,530 in 2024. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
The cost of a Medicare Supplement Insurance plan can vary from one carrier or location to the next. However, the standardized benefits that each type of Medigap plan covers stays the same, no matter where you live or who your plan carrier may be (except for in Massachusetts, Minnesota and Wisconsin, where Medigap plans have different standards).
The 9 standardized benefits that may be offered by a Medicare Supplement Insurance plan include the following:
Medicare Part A helps cover your hospital costs if you are admitted to a hospital for inpatient treatment (after you reach your Medicare Part A deductible).
For the first 60 days of your hospital stay, you aren’t required to pay any Part A coinsurance.
But beginning on day 61 of your stay, you’re required to pay Medicare Part A coinsurance amount through day 90.
After your 90th day in the hospital, you must pay a daily coinsurance amount for up to 60 more days. Beyond that, you are responsible for all hospital costs.
Before your Part A coverage kicks in, you are required to pay the Part A deductible.
The Medicare Part A deductible isn’t an annual deductible. This means that you could potentially have to meet the Part A deductible more than once in a given year.
After you meet your Part B deductible, you are typically required to pay a coinsurance or copay of 20 percent of the Medicare-approved amount for your covered services.
There is no limit to how much you may be required to pay for this 20 percent copayment or coinsurance in a given year, if you do not have a Medigap plan that provides coverage for this cost.
If you receive hospice care that is covered by Medicare, you are required to pay a Part A copayment for prescription drugs you use during hospice. You may also be charged 5 percent coinsurance for inpatient respite care costs.
There is no coinsurance requirement for the first 20 days of inpatient skilled nursing facility care.
However, a daily coinsurance requirement begins on day 21 of your stay, and you are then responsible for all costs after day 101 of inpatient skilled nursing facility care (in 2024).
Excess charges can be accrued when you receive Medicare-covered services or items from a provider who does not accept Medicare assignment. This means that they don’t accept Medicare reimbursement as payment in full for their services.
In such a case, the provider reserves the right to charge you up to 15 percent more than the Medicare-approved amount.
Original Medicare does not provide coverage for the first three pints of blood that are used in a blood transfusion.
Medicare does not typically provide coverage for emergency care received outside of the U.S. or U.S. territories.
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