Get FREE Medicare Supplement Quotes

Finding the right health
insurance plan is easy.

No personal info needed to receive a rate quote!

Fast & Easy! Get your no-obligation FREE quote for Medicare Supplement coverage.

Enter Zip Code:

"I choose to work with a Certified Senior Advisor!"

Woman Shopping Online for Insurance
Representing top-rated, national companies since 1984!

Medicare Supplement Insurance Plans, Navigator, Services, Costs and Quotes

By choosing the right Medicare Supplement Insurance Plan you will have:

  • No Deductibles
  • No Co-Pays
  • No Network
  • No Referrals Necessary
  • No Complicated Claim Forms

How to compare Medigap policies

Find out which insurance companies sell Medigap policies in your area.

Medigap policies are standardized

Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance." Insurance companies can sell you only a "standardized" policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:

  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan A if they offer any Medigap policy
  • Must also offer Plan C or Plan F if they offer any plan

Medigap Plans

Note: The Medigap policy covers coinsurance only after you've paid the deductible (unless the Medigap policy also pays the deductible).

Compare Medigap plans side-by-side

The chart below shows basic information about the different benefits Medigap policies cover.
Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

Medigap Benefits

Medigap Plans

A

B

C

D

F*

G

K

L

M

N

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes***

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care coinsurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charges

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

Yes

Yes

Yes

Yes

No

No

Yes

Yes

Out-of-pocket limit**

N/A

N/A

N/A

N/A

N/A

N/A

$4,940

$2,470

N/A

N/A

* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,140 for 2014 before your Medigap plan pays anything.
** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

The 2003 Medicare Modernization Act

Due to the 2003 Medicare Modernized Act, which went into effect in June 2010, there were some changes regarding the standardized Medicare Supplement Plans. These changes did not affect Medicare beneficiaries who are already enrolled in a Medigap Plan prior to that date, and only apply to people who enrolled effective June 1, 2010 and after.

Medigap Plans E, H, I and J were eliminated by Medicare; however those who are currently enrolled in these plans will be allowed to remain in them with no changes. Two benefits that were also eliminated were the At-Home Recovery benefit, as well as the Preventative Care benefit, as these were determined by Medicare to be completely under used by beneficiaries. Those who enrolled in plans prior to June 1, 2010 that contain either these benefits were allowed to continue to use them. Other important changes include the addition of Hospice benefit to all Medicare Supplement Plans, as it is now a core benefit of all Medigap Plans.

The Modernized Medicare Supplement plans also include Medicare Supplement Plan M, and Medicare Supplement Plan N. Medigap Plans M and N offer various cost sharing features that help in offering lower premiums for both, compared to plans such as Medicare Supplement Plan F and G.
Medicare's Plan M offers unique cost sharing options that are particularly attractive to Medicare beneficiaries who are relatively healthy. Plan M offers to pay 50% of the Medicare Part A deductible, which is $1,216 per benefit period in 2014. For example, if you are admitted to the hospital and you have a Medigap Plan M, you would need to pay half of the $1,216 deductible, or $608. The current rules still apply to Medicare Part A deductible, in that if you are admitted and leave for 60 days or more, and then need to return within the calendar year, you must pay this deductible again.

With a Medicare Supplement Plan M, you are also responsible for paying the Medicare Part B deductible, which is $147 for 2014. Beyond this deductible there are no doctor's office co-pays and the 20% coinsurance will be paid by the plan.

Another plan that was introduced on June 1st, 2010 is Plan N. This plan also offers cost-sharing options to the beneficiary much like Medicare Supplement Plan M; however with Plan N they are in the form of co-pays. If you are admitted to the emergency room and have a Medicare Supplement Plan N, you are required to pay a $50 co-pay. For doctors visits there is a co-pay of up to $20 per visit, after you meet the Medicare Part B annual deductible ($147 in 2014). These co-pays allow for the premiums of Medigap Plan N to be lower than the Medicare Supplement Plans F & G. With lower premiums and cost sharing options such as co-pays and deductibles, Medicare Supplement Plan M and N should be an excellent option for people on Medicare, particularly those who do not mind payment portions of deductibles or co-pays.