Teaching Tool
Medigap Plan Comparison Chart
Medicare Supplement (Medigap) plans are standardized by law, so a Plan G is a Plan G no matter who sells it. This chart lays all ten plans side by side so you can see exactly which benefits each one covers — and by how much.
Each percentage is the share of the benefit the plan pays after Original Medicare. A dash means the plan does not cover that benefit.
| Medigap Plan Benefits | Plan A | Plan B | Plan C | Plan D | Plan F | Plan G** | Plan K | Plan L | Plan M | Plan N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance & Hospital Costs (Up to an additional 365 days after Medicare benefits are used) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance or Copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%*** |
| Blood (First 3 Pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A Hospice Care Coinsurance or Copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | Not covered | Not covered | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Deductible | Not covered | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Medicare Part B Deductible | Not covered | Not covered | 100% | Not covered | 100% | Not covered | Not covered | Not covered | Not covered | Not covered |
| Medicare Part B Excess Charges | Not covered | Not covered | Not covered | Not covered | 100% | 100% | Not covered | Not covered | Not covered | Not covered |
| Foreign Travel Emergency (up to plan limits) | Not covered | Not covered | 80% | 80% | 80% | 80% | Not covered | Not covered | 80% | 80% |
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits.
** Out-of-Pocket Limit: Plan K = $8,000 | Plan L = $4,000 (2026 figures, confirmed current via CMS)
Not sure which Medigap plan fits your health and budget? Donal can walk you through the trade-offs in plain English — at no cost to you.
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Donal will help you understand your coverage choices and find the plan that fits — at no cost to you, since Medicare premiums are regulated by law.