The chart below shows basic information about the different benefits Medigap policies cover, and is from Medicare.gov.
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 | ||||||||||
| PLAN | 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 | Yes | Yes | 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 charge | No | No | No | No | Yes | Yes | No | No | No | No | |
| Foreign travel exchange (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% | |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $4,960 | $2,480 | N/A | N/A | |
| PLAN | A | B | C | D | F | G | K | L | M | N | |
*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 $2,180 in 2016 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.