Medicare Supplement plans (Medigap) are purchased to help cover some of the costs of Medicare. With Medigap plans, you pay a monthly premium for your plan, while the plan pays for costs that you are usually responsible for, like copays.

Beneficiaries can choose from 10 Medigap plans. The plans are standardized throughout the US; however, your premium will depend on your location and the insurance carrier you bought your policy from.

The following supplement plan comparison will help you determine a supplement policy that suits your needs.

Coverage comparison

Plan A:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%

Plan B:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Medicare Part A Deductible: 100%

Plan C:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Skilled Nursing Facility Coinsurance: 100%
  • Medicare Part A Deductible: 100%
  • Medicare Part B Deductible: 100%
  • Foreign Travel Emergency: 80%

Plan C is no longer available to those who became eligible for Medicare after January 1, 2020.

Plan D:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Skilled Nursing Facility Coinsurance: 100%
  • Medicare Part A Deductible: 100%
  • Foreign Travel Emergency: 80%

Plan F:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Skilled Nursing Facility Coinsurance: 100%
  • Medicare Part A Deductible: 100%
  • Medicare Part B Deductible: 100%
  • Medicare Part B Excess Charges: 100%
  • Foreign Travel Emergency: 80%

Plan F is also no longer available to those who became eligible for Medicare after January 1, 2020.


Plan G:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Skilled Nursing Facility Coinsurance: 100%
  • Medicare Part A Deductible: 100%
  • Medicare Part B Excess Charges: 100%
  • Foreign Travel Emergency: 80%

Plan K:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 50%
  • First Three Pints of Blood: 50%
  • Part A Hospice Care Coinsurance and Copayment: 50%
  • Skilled Nursing Facility Coinsurance: 50%
  • Medicare Part A Deductible: 50%

Plan L:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 75%
  • First Three Pints of Blood: 75%
  • Part A Hospice Care Coinsurance and Copayment: 75%
  • Skilled Nursing Facility Coinsurance: 75%
  • Medicare Part A Deductible: 75%

Plan M:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Skilled Nursing Facility Coinsurance: 100%
  • Medicare Part A Deductible: 50%
  • Foreign Travel Emergency: 80%

Plan N:

  • Medicare Part A Coinsurance & Hospital Costs: 100%
  • Medicare Part B Coinsurance or Copayment: 100%
  • First Three Pints of Blood: 100%
  • Part A Hospice Care Coinsurance and Copayment: 100%
  • Skilled Nursing Facility Coinsurance: 100%
  • Medicare Part A Deductible: 100%
  • Foreign Travel Emergency: 80%

Important tips to note when comparing plans

When analyzing policies, consider up all the expenses that you will be responsible for such as:

  • Monthly premium
  • Annual Part B deductible
  • Copays and coinsurance, if applicable

Are you in need of proper guidance in your health insurance decision? John Stagner of MO Life Broker is your one-stop source for all things Medicare. John is committed to assisting you to ensure you get the coverage you need. Contact MO Life Broker at 573-247-2391.