Medigap Plan Comparison Tool
Compare all 10 standardized Medigap plans and find which plan letter fits your priorities for cost and coverage.
Medigap benefits are standardized by plan letter, so Plan G from one insurer covers exactly the same things as Plan G from another. Plan G is the most comprehensive option for people newly eligible for Medicare, and Plan N offers a lower premium with small copays. Which one fits you depends on how you'd rather pay: a higher predictable premium, or a lower premium with some cost-sharing.
There are 10 standardized Medigap plans, but only a few are commonly relevant today. The table below shows exactly what each plan covers. Below that, a short questionnaire can help narrow down which plan letters are worth researching further, based on how you'd rather handle costs.
What Each Medigap Plan Covers
| Benefit | A | B | C* | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 extra days) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| 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/copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel emergency (80% after a $250 deductible, up to plan's lifetime limit, typically $50,000) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
* Plans C and F are only available to people who became eligible for Medicare before January 1, 2020. If you turned 65 or otherwise became Medicare-eligible on or after that date, these two plans are not available to you.
*** Plan N pays 100% of Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't result in an inpatient admission.
For Plans K and L: after you meet your annual out-of-pocket limit, plus your yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year. The 2026 out-of-pocket limit is $8,000 for Plan K and $4,000 for Plan L.
A high-deductible version of Plan G (and Plan F, for those still eligible to buy it) is available in most states. You pay the first $2,950 in Medicare-covered costs yourself in 2026 before the plan pays anything, in exchange for a much lower monthly premium.
Which Plan Letters Fit Your Priorities?
This narrows your research, it doesn't tell you what to buy.
Based on your priority, plans worth looking into are:
Actual premiums for the same plan letter vary significantly by insurance company, your age, gender, tobacco use, and where you live. Get quotes from multiple carriers before deciding.
For free, unbiased, one-on-one help comparing actual quotes, contact your State Health Insurance Assistance Program (SHIP) counselor at shiphelp.org.
Because Medigap benefits are standardized, comparing plan letters is really about comparing tradeoffs between premium and predictability, not about comparing coverage quality. Plan G, the most popular choice for people newly eligible for Medicare, covers everything except the annual Part B deductible, giving near-total predictability. Plan N trades some of that predictability for a meaningfully lower premium, adding small copays for office and ER visits. High-Deductible Plan G goes further in that direction: a much lower premium in exchange for paying a real deductible, currently $2,950 for 2026, before the plan pays anything. Plans K and L work differently. Rather than a fixed copay structure, you share a percentage of costs, 50% under Plan K or 25% under Plan L, until you reach an annual out-of-pocket limit, after which the plan covers everything. Plans C and F, once the most popular options, closed to new Medicare enrollees starting in 2020. If you became Medicare-eligible before then, they're still available to you and remain the only plans covering 100% of the Part B deductible. Actual premiums for any of these plans vary widely by insurance company and state, so the plan letter is only the first decision, not the last.
Frequently Asked Questions
What is the best Medigap plan?
There's no single best plan for everyone. Plan G is the most comprehensive option available to people newly eligible for Medicare, covering everything except the annual Part B deductible. Plan N offers a lower premium in exchange for small copays. The right choice depends on your budget and priorities.
What's the difference between Medigap Plan G and Plan N?
Plan G covers Part B coinsurance in full. Plan N covers it too, but you pay a small copay, up to $20 for some office visits and up to $50 for ER visits that don't result in admission. Plan N typically has a lower monthly premium in exchange.
Can I still buy Medigap Plan F?
Only if you became eligible for Medicare before January 1, 2020. Plans C and F were closed to newly eligible beneficiaries after that date, though people who qualified before then can still buy them if available in their area.
What is High-Deductible Plan G?
A version of Plan G with a much lower monthly premium, where you pay the first $2,950 in Medicare-covered costs yourself in 2026 before the plan starts paying. It suits people comfortable with more out-of-pocket risk in exchange for lower monthly costs.
What is the out-of-pocket limit for Plan K and Plan L?
For 2026, Plan K's annual out-of-pocket limit is $8,000, and Plan L's is $4,000. After reaching that limit (plus the Part B deductible), the plan pays 100% of covered services for the rest of the year.
Do all insurance companies charge the same price for the same Medigap plan letter?
No. Benefits are standardized by plan letter, but premiums vary significantly by insurance company, your age, gender, tobacco use, and where you live. It's worth getting quotes from multiple carriers for the same plan letter.
This tool provides general factual comparison information based on federally standardized Medigap benefits and a directional self-assessment based on your stated preferences. It is not insurance advice and does not provide or estimate specific premium quotes, which vary by insurance company, age, gender, tobacco use, and location. For free, unbiased, one-on-one help comparing actual Medigap quotes, contact your State Health Insurance Assistance Program (SHIP).