Anyone shopping for Medicare Supplement Insurance (also called Medigap) may naturally want to know which plan is right for them.
There are 10 types of plans in most states. Each plan has a different letter name, and each plan offers its own combination of standardized benefits.
Learn more about Medigap plans in your area
Speak with a licensed insurance agent
A licensed insurance agent can help learn about the Medicare Supplement plans that are sold in your area.
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Medicare Supplement Benefits |
A |
B |
C* |
D |
F1* |
G1 |
K2 |
L3 |
M |
N4 |
Part A coinsurance and hospital coverage |
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Part B coinsurance or copayment |
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50% |
75% |
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Part A hospice care coinsurance or copayment |
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50% |
75% |
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First 3 pints of blood |
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50% |
75% |
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Skilled nursing facility coinsurance |
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50% |
75% |
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Part A deductible |
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50% |
75% |
50% |
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Part B deductible |
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Part B excess charges |
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Foreign travel emergency |
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80% |
80% |
80% |
80% |
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80% |
80% |
Medicare Supplement Plan F covers all Medicare Supplement benefits
As you can see in the Medicare Supplement Insurance plans comparison chart above, Plan F checks every box. 36 percent of beneficiaries enrolled in Medicare Supplement Insurance are enrolled in Plan F.2
The most popular Medigap plan, Plan G, accounts for 39 percent of Medicare Supplement enrollees. However, just because a plan is popular doesn’t mean it’s the right fit for your health care needs. Consult with a licensed insurance agent to determine which plan is right for you.
Medicare Supplement Insurance Plan F after 2020
Medigap Plan F is no longer available to newly eligible beneficiaries as of Jan. 1, 2020.
Due to the Medicare Access and CHIP Reauthorization Act of 2015, Medicare Supplement Insurance plans are no longer allowed to cover the Medicare Part B deductible. Therefore, Medicare Supplement Plan F and Plan C (the only two plans that cover the Part B deductible) aren't available to new Medicare beneficiaries.
Those who enrolled in Plan F or Plan C before 2020 will be allowed to keep their coverage for as long as they wish. If you became eligible for Medicare prior to 2020 and decide you want Plan F or Plan C, you may be able to apply for either plan if they're available where you live.
Medicare Supplement Plan G covers a wide range of costs
As mentioned above, Medigap Plan G is the most popular plan among Medicare Supplement Insurance beneficiaries.
Plan G covers everything that Plan F does, with the exception of the Medicare Part B deductible, which is $257 per year in 2025.
Because the Medicare Part B deductible averages out to just over $21 per month in 2025, a Medicare Supplement Plan G option that is at least $22 lower in cost per month than a Plan F option could save you some money over the year, compared to enrolling in Plan F.
Medicare Supplement Plan N can offer premium value
Plan N offers similar coverage as Medicare Supplement Plan G, though it typically is offered at a lower monthly premium. In 2024, the average monthly premium for Plan N was $127, and the average Plan G premium was $155 per month.
Plan N doesn't cover Medicare Part B excess charges. You can avoid Medicare excess charges, however, by making sure you visit providers who accept Medicare assignment. The vast majority of physicians (98%) who accept Medicare patients also accept Medicare assignment.
Plan N requires a coinsurance payment of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission.
Given these minimal coinsurance requirements, Plan N can sometimes be a better value than Plan G if the difference in premiums is significant where you live.
Choosing the right Medigap plan for you
There is no definitive Medicare Supplement Insurance plan that is the “best.” The right plan for you is the one that is most closely aligned with your needs and budget.
The right plan for one person may be quite different than the right Medigap plan for someone else.
A licensed insurance agent can help learn about the Medigap plans that are sold in your area.
Learn more about Medigap plans in your area
Speak with a licensed insurance agent