Medicare Supplement Plan Comparisons

There are 10 Medicare Supplement plans, some with a high-deductible version, that may be available where you live. 

Here are all the Medicare Supplements, also known as Medigap plans, and what they cover.

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Medicare Supplement Plan A

Medigap Plan A covers the copay for any inpatient or outpatient medical care Medicare requires you to pay. 

It also covers the first three pints of blood if you need a transfusion.

Medicare Supplement Plan B

Medicare Supplement Plan B  covers the copay for any inpatient or outpatient medical care Medicare requires you to pay. 

It also covers the first three pints of blood for a transfusion and Medicare Part A’s deductible.

 


Medicare Supplement Plan C

Medicare Supplement Plan C pays for all Medicare coinsurance and copayments, Medicare Part A and B deductibles, the first three pints of blood of a transfusion, skilled nursing facility coinsurance, and 80% of a foreign travel emergency. 

However, those who turned 65 after January 1, 2020 are not allowed to purchase this plan because of the Medicare Access and CHIP Reauthorization Act of 2015.

Medicare Supplement Plan D

Plan D covers the copay for any inpatient or outpatient medical care Medicare requires of you.

It also covers the first three pints of blood for a transfusion, hospice care, skilled nursing facility coinsurance, Medicare Part A’s deductible, and 80% of a foreign travel emergency.

Medicare Supplement Plan F

Medicare Supplement Plan F offers the most comprehensive coverage out of all Medigap plans. 

However, because of the Medicare Access and CHIP Reauthorization Act of 2015, those who turned 65 after January 1, 2020 cannot purchase the plan because it covers Medicare Part B’s deductible. 

If you are still eligible to purchase this plan, it covers 100% of all of your copay/coinsurance and deductibles associated with Medicare as well as Part B excess charges. It also covers 80% of a foreign travel emergency.

Medicare Supplement Plan G

Plan G covers 100% of the copays/coinsurance, deductibles, and excess charges other than Part B’s deductible. It also pays 80% of a foreign travel emergency.

Medicare Supplement Plan G is the most comprehensive plan for those who turned 65 after January 1, 2020.

Medicare Supplement Plan K

Medicare Supplement Plan K pays 100% of your Medicare Part A coinsurance, 50% of your Part B coinsurance, first three pints of blood in a transfusion, your hospice care coinsurance, skilled nursing facility coinsurance, and Medicare Part A’s deductible.

Medicare Supplement Plan L

Medicare Supplement Plan L covers 100% of your Medicare Part A coinsurance, 75% of your Part B coinsurance, first three pints of blood in a transfusion, your hospice care coinsurance, skilled nursing facility coinsurance, and Medicare Part A’s deductible. It also features an annual out-of-pocket maximum limit of $2,940 in 2020.

Medicare Supplement Plan M

Medicare Supplement Plan M pays 100% of all of Medicare Parts A and B’s coinsurance requirements. 

It also covers half of your Part A deductible and 80% of a foreign travel emergency.

Medicare Supplement Plan N

Medicare Supplement Plan N pays 100% of all of your Part A and B coinsurance and your Part A deductible. Additionally, it covers 80% of a foreign travel emergency.

However, Plan N has you pay $20 copay for doctor’s office visits and up to a $50 copay for emergency room visits if you aren’t admitted as an inpatient.