Medigap plans compared: A through N
Ten standardized plans. The letters matter more than the brand.
Medigap plans are standardized by letter, so comparing them comes down to which gaps each one fills. Every plan covers Part A coinsurance and an extra 365 days of hospital care. From there, they differ in how much of the rest they pay.
What each plan covers
- Plan A: Part A coinsurance and 365 extra hospital days, Part B coinsurance, first 3 pints of blood, hospice coinsurance. Not the Part A deductible.
- Plan B: everything in Plan A, plus the Part A deductible.
- Plan C: Plan B's benefits, plus skilled nursing coinsurance, the Part B deductible and foreign travel emergency care (80%). Only for people eligible for Medicare before 2020.
- Plan D: Plan B's benefits, plus skilled nursing coinsurance and foreign travel emergency care (80%).
- Plan F: every gap in the chart, including the Part B deductible and Part B excess charges. Only for people eligible for Medicare before 2020.
- Plan G: everything Plan F covers except the Part B deductible.
- Plan K: 50% of most cost sharing (100% of Part A coinsurance and extra hospital days), with a yearly out-of-pocket limit of $8,000 in 2026.
- Plan L: 75% of most cost sharing (100% of Part A coinsurance and extra hospital days), with a yearly out-of-pocket limit of $4,000 in 2026.
- Plan M: like Plan D, but pays only 50% of the Part A deductible.
- Plan N: like Plan D, but with copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to admission.
Plans new enrollees can't buy
If you became eligible for Medicare on or after January 1, 2020, you can't buy Plan C or Plan F, because they cover the Part B deductible. You can buy Plan D or Plan G instead. If you were eligible before 2020, even if you didn't enroll, you may still be able to buy C or F.
High-deductible options
Plan G (and Plan F, for people eligible before 2020) comes in a high-deductible version: you pay the first $2,950 of covered costs in 2026 before the plan pays, in exchange for a lower premium.
Narrowing it down
Most people who buy Medigap now choose among Plans G, N and high-deductible G. Plan G leaves you only the Part B deductible. Plan N trades small copays and exposure to excess charges for a lower premium. Plans K and L suit people who want a cap on costs with lower premiums and are comfortable sharing costs until they reach it.
Compare premiums for the same letter across companies. Your state insurance department often publishes a rate comparison guide.
Different in three states
Massachusetts, Minnesota and Wisconsin use their own Medigap plan designs, with a basic plan and optional riders. The letters above don't apply there; see those states' pages.
Common questions
Plan F covers every gap, but it's only available to people eligible for Medicare before 2020. For newer enrollees, Plan G covers everything except the Part B deductible.
Plans C, D, F, G, M and N pay 80% of emergency care outside the US, after a deductible and up to a lifetime limit.
No. Plans sold today don't include drug coverage. You'd join a separate Part D plan.
Want help with your own choices?
Every state runs a State Health Insurance Assistance Program (SHIP) with trained counselors who give free, unbiased Medicare help and do not sell plans. Find yours on our Medicare by state pages, or call Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week).
Planning the rest of your coverage in retirement? We can help with life insurance later in life and final expense coverage.
Sources
- Choosing a Medigap Policy (March 2026), Centers for Medicare & Medicaid Services. Checked September 29, 2026.
- Compare Medigap plan benefits, Medicare.gov. Checked September 29, 2026.
General information about the federal Medicare program, not advice about your situation. Figures are for 2026 unless stated and change every year; last reviewed September 29, 2026. Quote My Policy is a private company. Not connected with or endorsed by the United States government or the federal Medicare program.
Quote My Policy does not sell Medicare plans on this site. For plan-specific help, contact Medicare at 1-800-MEDICARE (1-800-633-4227) (TTY 1-877-486-2048, 24 hours a day, 7 days a week) or your State Health Insurance Assistance Program.