Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare ONLY.
If you’re in a Medicare Advantage Plan, it’s illegal for anyone to sell you a Medigap policy unless you’re switching back to Original Medicare.
Medigap insurance:
- Is sold by private insurance companies to fill “gaps” in Original Medicare, such as all or part of the deductibles or coinsurance amounts
- Some Medigap policies cover limited benefits not covered by Part A or Part B of Original Medicare, such as extra days of coverage for inpatient hospital care or foreign travel emergency care. Generally, Medigap doesn’t cover long- term care (like care in a nursing home, vision, or dental services, hearing aids, eyeglasses, or private duty nursing
Medigap Coverage
All Medigap plans pay for some or all of the following costs:
- Part A coinsurance
- Coverage for 365 hospital days when Medicare coverage for hospitalization ends
- Part B coinsurance or copayment
- First 3 pints of blood
- Hospice care coinsurance or copayment
| Plans Available to All Beneficiaries | Plans Available to Beneficiaries Before 2020 | |||||||||
| Medigap Benefits | A | B | D | G4 | K3 | L3 | M | N2 | C | F1 |
| Part A Coinsurance and Hospital Benefits | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B Coinsurance and Copayment | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% |
| Blood (First 3 pints) | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% |
| Part A Hospice Care Coinsurance/Copayment | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% |
| Skilled Nursing Facility Care Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | 100% | 100% | ||
- There is a high deductible version of Plan F offered in some states that is only available to individuals eligible for Medicare before January 1, 2020. In 2025, a policyholder pays $2,870 before the Medigap policy pays anything
- Plan N has a copayment of up to $20 for physician office visits and up to $50 for emergency room visits (waived in certain circumstances)
- Plan K and L pay 100% after out-of-pocket limit is reached. In 2025, the out-of-pocket limit for Plan K is $7,220. The limit for Plan L is $3,610
- There is a high deductible version of Plan G offered in some states. The deductible for 2025 is $2,870
| Plans Available to All Beneficiaries | Plans Available to Beneficiaries Before 2020 | |||||||||
| Medigap Benefits | A | B | D | G4 | K3 | L3 | M | N | C | F1 |
| Medicare Part A Deductible | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | 100% | |
| Medicare Part B Deductible | 100% | 100% | ||||||||
| Medicare Part B Excess Charges | 100% | 100% | ||||||||
| Foreign Travel Emergency (up to plan limits)2 | 80% | 80% | 80% | 80% | 80% | 80% | ||||
- Plan F also has a high-deductible option in some states. In 2025, a policyholder pays $2,870 before the Medigap policy pays anything. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year
- The foreign travel benefit pays 80% of charges after a $250 deductible, up to a $50,000 lifetime maximum
- Plans K and L pay 100% after out-of-pocket is reached. In 2025, the out-of-pocket for Plan K is $7,220. The limit for Plan L is $3,610
- There is a high deductible version of Plan G offered in some states. The deductible for 2025 is $2,870
Learn more at: https://www.medicare.gov/health-drug-plans/medigap