Compare All Medigap Plans
Side by Side
There are 10 standardized Medigap plan types. Benefits are identical from every insurer - only the premium varies. We’ll help you find the right plan at the best price in your area.
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Medigap plans (Medicare Supplement Insurance) help pay for the out-of-pocket costs that Original Medicare does not cover - including deductibles, copayments, and coinsurance. Each Medigap plan is standardized by the federal government, which means the benefits are identical no matter which insurance company sells the policy.
While the benefits of each plan type are the same everywhere, premiums can vary significantly by state, age, gender, and insurer. That’s why comparing options is so important before you enroll.
How Medigap Plans Work
When you have Original Medicare (Parts A & B) and a Medigap policy, Medicare pays its share first, then your Medigap plan pays its share of covered costs - leaving you with little or no out-of-pocket expense for most services.
You must have Original Medicare before you can buy a Medigap policy.
Pick the combination of benefits that fits your health needs and budget.
Benefits are identical by law; premiums vary widely - always compare rates.
The best time is the 6-month window that starts when you turn 65 and have Part B.
Most Popular Medigap Plans (2026)
Three plans dominate enrollment - but the right plan depends on your situation.
Medigap Plans at a Glance
Click any plan to see full coverage details, average premiums, and who it’s best for.
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 1 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 2 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 5 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 4 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 6 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 4 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days) - 100%
- ✓ Part B coinsurance / copayments - 50%
- ✓ First 3 pints of blood - 50%
- + 4 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days) - 100%
- ✓ Part B coinsurance / copayments - 75%
- ✓ First 3 pints of blood - 75%
- + 4 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments
- ✓ First 3 pints of blood
- + 4 more benefits
- ✓ Part A coinsurance & hospital costs (365 extra days)
- ✓ Part B coinsurance / copayments (except small office/ER copays)
- ✓ First 3 pints of blood
- + 4 more benefits
Compare All Plans - Benefits Chart
Use this chart to see every benefit, side by side across all 10 standardized Medigap plans.
Benefits offered by each Medigap plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future.
✔ = 100% covered ✘ = Not covered % = Partial coverage
| Benefits | A | B | C | D | F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ |
| Part B copays/coinsurance | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Blood (first 3 pints) | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A hospice | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Skilled nursing facility | ✘ | ✘ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | ✔ | ✔ |
| Part A deductible | ✘ | ✔ | ✔ | ✔ | ✔ | ✔ | 50% | 75% | 50% | ✔ |
| Part B deductible | ✘ | ✘ | ✔ | ✘ | ✔ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Part B excess charges | ✘ | ✘ | ✔ | ✘ | ✔ | ✔ | ✘ | ✘ | ✘ | ✔ |
| Foreign travel emergency | ✘ | ✘ | 80% | 80% | 80% | ✘ | ✘ | ✘ | 80% | 80% |
| $7,220 | $3,610 | |||||||||
Next Steps
Choosing the right Medigap plan depends on your health, budget, and where you live. Benefits are standardized, but premiums vary significantly by insurer, age, gender, and state. The only way to know what you’ll pay is to compare real quotes in your area.
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