Medigap Plans K and L
Lower premiums, shared costs, and a yearly ceiling.
Plans K and L are cost-sharing Medigap plans. Instead of paying gaps in full, they pay part of them until you reach a yearly out-of-pocket limit, after which they pay 100% of covered cost sharing for the rest of the year.
How they compare
| Plan K | Plan L | |
|---|---|---|
| Part A coinsurance and extra hospital days | 100% | 100% |
| Part A deductible | 50% | 75% |
| Part B coinsurance | 50% (100% for preventive care) | 75% (100% for preventive care) |
| Skilled nursing, hospice, blood | 50% | 75% |
| Out-of-pocket limit (2026) | $8,000 | $4,000 |
| Part B deductible, excess charges, foreign travel | Not covered | Not covered |
Who they can fit
People who want a cap on their costs with Original Medicare but prefer a lower premium than Plan G, and who can absorb some cost sharing. The out-of-pocket limits include your share of covered services; the Part B deductible counts toward them.
Common questions
The plan pays 100% of covered Part A and Part B cost sharing for the rest of the calendar year.
No. Only Plans F and G cover Part B excess charges.
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
- Compare Medigap plan benefits, Medicare.gov. Checked September 29, 2026.
- Choosing a Medigap Policy (March 2026), Centers for Medicare & Medicaid Services. 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.