In most states, you can compare 10 different Medicare Supplement plans. Having so many choices might seem like a good thing overall, but it does make it a little harder to make a decision. This Medicare Supplement comparisons chart lists the 10 standardized Medicare Supplement plans available in most states. Each standardized plan has its own set of basic benefits, but some plans have similar benefits.
Medicare Supplement Comparisons
Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover this benefit
% = the plan covers a percentage of this benefit
N/A = not applicable
* Plans F and Plan G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, 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.
As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you can keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans (Plan C or F).
Please note that Massachusetts, Minnesota, and Wisconsin have their own standardized Medicare Supplement Insurance plans.