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an elderly woman rides piggyback on her partner and both smile

Explore Medigap (Medicare Supplemental Insurance) Plans

Medicare supplement plans, also known as Medigap plans, help fill in gaps in Original Medicare (Parts A & B) coverage. For an additional premium, these supplemental plans may cover copayments, coinsurance, and deductible costs.

Read on to learn more about Medigap plans, or call to speak to an agent who can help you find plans in your area.

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Types of Medigap plans

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Plan A

The most basic Medicare supplement plan, Medigap Plan A covers the 20% of outpatient treatment care charges that Original Medicare does not. All Medicare insurance carriers must sell Medigap Plan A.

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Plan B

Medigap Plan B offers all the supplemental coverage of Plan A, plus covers the Medicare Part A hospital deductible. Not to be confused with Medicare Part B (part of original Medicare), Plan B pays after Medicare pays.

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Plan C

A popular Medicare supplemental option, Medigap Plan C is fairly comprehensive, covering everything except Medicare excess charges, paying deductibles and the 20% normally owed for outpatient expenses.

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Plan F

Another popular supplemental plan, Medigap Plan F eliminates all out-of-pocket costs for covered services. Medigap Plan F is only available to those who qualified for Medicare before 2020—newer customers may be interested in Plan G instead.

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Plan G

Medigap Plan G also offers a lot of additional coverage—everything covered in Plan F, minus the Medicare Part B deductible. Plan G is usually the best value annually for Medicare policyholders, and, unlike Plan F, is available for all Medicare-eligible enrollees.

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Plan K

Not all insurers offer Medigap Plan K as a Medicare supplement option. Plan K covers the whole of your Medicare Part A copayment or coinsurance, plus 50% coverage for some other costs.

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Plan L

Like Plan K, Plan L isn’t available from every Medicare supplement provider. Medigap Plan L offers similar benefits to Plan K but ups the coverage from 50% to 75%, a good value depending on premium cost.

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Plan N

Created in 2010, Medigap Plan N offers supplemental Medicare coverage with lower premium costs in exchange for out-of-pocket copayments for doctor and emergency room visits.

Compare Medigap insurance plans

Standard coverage and benefits across all Medicare Supplemental insurance plans:

  • Though plans offered vary by state, the benefits associated with those plans are standardized within those states—therefore the only difference between one company’s Plan A and another’s, for example, is price.
  • Though plans offered vary by state, the benefits associated with those plans are standardized within those states—therefore the only difference between one company’s Plan A and another’s, for example, is price.
    • Some Medigap policies cover services Original Medicare doesn’t, such as emergency medical care when traveling outside the U.S. as well.
  • Medigap plans generally do not cover costs associated with the following:

    • Long-term care
    • Vision care
    • Dental care
    • Hearing aids
    • Private duty nursing
    • Prescription drugs

Medigap insurance plans: side-by-side

View the table below for a complete picture of what’s covered and what’s not with each of the available Medicare supplement plans.
Benefit Coverage
Plan A
Plan B
Plan C
Plan F
Plan G
Plan K
Plan L
Plan N
Medicare Part A


Medicare Part B


Blood (first three pints)


Skilled nursing facility coinsurance
Medicare Part A deductible
Medicare Part B deductible
Medicare Part B excess charges
Foreign travel emergency coverage
Out-of-pocket limit
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Frequently asked questions about Medigap Plans

Who is eligible for Medicare Supplemental Insurance Plans?

To be eligible for Medicare supplemental insurance plans, you must be enrolled in Original Medicare (Parts A & B) through the federal government. Your enrollment period for Medigap coverage lasts for six months after enrolling in Original Medicare for the first time.

What isn’t covered by Medigap plans?

Medicare supplemental insurance covers costs associated with Original Medicare (Parts A & B), and therefore does not cover costs associated with the additional benefits you might get from a Medicare Advantage (Part C) plan, such as the following:

  • Long-term (nursing home) care
  • Vision benefits
  • Dental benefits
  • Hearing aid costs
  • Private duty nursing costs
  • Prescription drug costs

When is the best time to purchase a Medigap plan?

The enrollment period for Medigap plans lasts for six months after enrolling in Original Medicare (Parts A & B) for the first time. After this period, depending upon your state, you may not be able to enroll in supplemental Medicare coverage at all, or it may come at a much higher cost.

Are my Medigap options limited based on the state I live in?

Available Medigap plans do vary by state. For example, Massachusetts, Minnesota, and Wisconsin all have their own regulations and Medigap plan types. For the most accurate information on what’s available to you where you live, speak to one of our experienced agents during your Medigap enrollment period.

Medicare resources

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