Senior Benefits Guide

🟢 Speak with an agent today!

blog image

Medigap Plan Comparison Chart: Navigating Your Choices

July 10, 20233 min read

Medigap Plan Comparison Chart: Navigating Your Choices


Navigating the world of Medicare can be complex, but understanding the Medigap Plan Comparison Chart can simplify the process. Medigap, also known as Medicare Supplement Insurance, offers plans that help cover some of the healthcare costs that Original Medicare doesn't cover. This article provides a detailed breakdown of the various Medigap plans, helping beneficiaries make an informed decision.

Medigap Plans: A Brief Overview

Medigap plans are designed to fill the "gaps" in Original Medicare coverage. These gaps can include co-payments, deductibles, and other out-of-pocket expenses. The federal government has standardized these plans, ensuring that each plan offers the same basic benefits, regardless of the provider.

Key Features of Medigap Plans

  • Standardization: All Medigap plans are standardized, meaning that a Plan A from one insurance company will offer the same benefits as a Plan A from another company. However, the premiums may vary.

  • Flexibility: Medigap plans provide the flexibility to see any doctor or specialist that accepts Medicare, without the need for referrals.

  • Coverage: These plans cover a range of healthcare costs, including co-payments, deductibles, and foreign travel emergency healthcare.

Breaking Down the Medigap Plan Comparison Chart

The Medigap Plan Comparison Chart offers a side-by-side comparison of the benefits provided by each plan. Here's a breakdown:

  • Medigap Plan A: This plan offers the most basic coverage, covering the 20% that Medicare doesn't pay for outpatient treatments. Every insurance carrier must offer Plan A.

  • Medigap Plan B: In addition to the benefits of Plan A, Plan B also covers the Medicare Part A hospital deductible.

  • Medigap Plan C: One of the most comprehensive plans, Plan C covers everything except Medicare excess charges. It's a popular choice among beneficiaries.

  • Medigap Plan D: This plan covers most benefits but does not pay the Part B deductible or any Medicare excess charges.

  • Medigap Plan F: A popular choice, Plan F covers all the gaps in Medicare, ensuring beneficiaries have no out-of-pocket costs for covered services.

  • Medigap Plan G: Similar to Plan F, Plan G covers everything except the Part B deductible. It often offers competitive premiums, making it a valuable choice for many.

  • Medigap Plans K, L, and M: These plans offer partial coverage of certain benefits. For instance, Plan K covers 50% of most items, while Plan L covers 75%. These plans are less popular and may not be offered by all carriers.

  • Medigap Plan N: Introduced in 2010, Plan N offers lower premiums in exchange for beneficiaries paying co-pays for certain services. It does not cover Medicare excess charges.

Choosing the Right Medigap Plan

When selecting a Medigap plan, it's essential to consider your healthcare needs and budget. While some plans offer comprehensive coverage, they may come with higher premiums. It's crucial to balance the coverage you need with a premium you can afford.


The Medigap Plan Comparison Chart serves as a valuable tool for Medicare beneficiaries, offering clarity on the various plans available. By understanding the benefits of each plan, beneficiaries can make an informed decision, ensuring they receive the coverage they need at a price they can afford.

With this detailed breakdown, beneficiaries can navigate the complexities of Medigap plans with confidence. As healthcare needs and financial situations change, it's essential to revisit the Medigap Plan Comparison Chart to ensure you have the best coverage for your needs.

Medigap Plan Comparison Chart
Back to Blog
Compare Medicare Advantage Plans

Copyright © 2024 Senior Benefits Guide All Rights Reserved.

204 Church St Suite 1A, Boonton NJ 07005

Disclaimer: This website is not affiliated with the Medicare/Medicaid program or any other government entity. The information provided on this website is for informational purposes only. It is not intended to be, nor does it constitute any kind of financial advice. Please seek advice from a qualified professional prior to making any financial decisions based on the information provided. This website acts as an independent digital media & advertising publisher. This webpage is formatted as an advertorial. An advertorial is an advertisement that is written in an editorial news format. PLEASE BE AWARE THAT THIS IS AN ADVERTISEMENT AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE. This website MAY RECEIVE PAID COMPENSATION FOR CLICKS OR SALES PRODUCED FROM THE CONTENT FOUND ON THIS WEBPAGE. This compensation may affect which companies are displayed, the placement of advertisements, and their order of appearance. Any information, discounts, or price quotations listed may not be applicable in your location or if certain requirements are not met. Additionally, our advertisers may have additional qualification requirements.

Our goal is to provide exceptional service. One of our agents may reach out to you to discuss your order, ask for feedback, and/or see if you need any assistance with your products, services, or plans, at the phone number you provided regardless of your do-not-call list status. You may opt-out of further contact at any time by simply telling our customer service team that you would no longer like to be contacted. In the event that our team is unable to reach you by phone, they may send you a text message letting you know that we called. Both our text messages and phone calls may be sent or connected utilizing automated software. Carrier charges may apply. You may opt-out of any future contact via text message by replying anytime with "STOP".

Copyright © 2024 All Rights Reserved.