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Not all Medicare journeys are the same. Whether you want “zero-bill” peace of mind or a lower monthly premium with a bit of shared cost, there may be a Medigap plan designed for your lifestyle. While we highlight the most popular options, United Medicare Advisors provides access to all available plan types (A through N) to ensure you never have to settle for "close enough."
Most enrollees find their perfect balance of cost and coverage within these three options. Which one fits you?
Why people love it: It offers the most comprehensive coverage available to those new to Medicare. Once you meet your small Part B deductible, you pay $0 for Medicare-covered services.
Key Coverage: 100% of Part A deductible, Part B excess charges, and skilled nursing facility coinsurance.
Why people love it: It offers near-complete gap coverage at a lower premium than Plan G. You pay small, predictable copays on some visits — and that’s it.
Key Coverage: 100% of Part A deductible, Part A coinsurance, skilled nursing facility coinsurance, and blood coverage.
Why people love it: It’s the most comprehensive Medigap plan available — covering every gap in Original Medicare, including the Part B deductible. Zero surprise bills.
Key Coverage: 100% of Part A deductible, Part B deductible, Part B excess charges, skilled nursing, and foreign travel emergency.
While G, N, and F are the heavy hitters, they aren't the only tools in our kit. Depending on your state and health needs, you might be interested in:
Plan K & L: Great for those who want lower premiums and are comfortable with a yearly out-of-pocket limit.
Plan M: A middle-ground option that splits the Part A deductible with you 50/50.
Plan A & B: The "Basics"—providing core protection for hospital and medical coinsurance without the extra bells and whistles.
See how all plans stack up, side-by-side, by opening our Interactive Medigap Plan Comparison chart on this page.
The chart below shows the benefits included in each of the standardized Medicare Supplement plans. Some plans may not be available in your area. Only applicants first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F. (✓ = 100% of benefit is paid)
| BENEFITS | PLANS AVAILABLE TO ALL APPLICANTS | ELIGIBLE BEFORE 2020 ONLY |
||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| A | B | D | G1 | K | L | M | N | C | F1 | |
| Medicare Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Medicare Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓3 | ✓ | ✓ |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Skilled nursing facility coinsurance | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | ✓ | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Out-of-pocket limit in {year}2 | $8,0002 | $4,0002 | ||||||||
1 — Plans F and G also have a high deductible option which require first paying a plan deductible of $2,950 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible.
2 — Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
3 — Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in an inpatient admission.
Plans F and G also have a high deductible option which require first paying a plan deductible of $2,950 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible.
Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in an inpatient admission.
Get rates for Medicare Supplement insurance carriers in your area -- all in one place!
Select the Medicare Supplement plan that best fits your health care needs and budget.
Our Licensed Agents answer your questions so you can rest assured you have the best plan for you!
Medicare Supplement (Medigap) plans work alongside your Original Medicare plan to help fill coverage gaps, such as traveling abroad and deductibles. Because it is used with your federal Medicare coverage, it is also accepted at any hospital that accepts Original Medicare.
Medicare Supplement plans offer the advantage of flexibility; unlike some other senior healthcare options, you have the freedom to enroll in or change your Medicare Supplement policy at any time throughout the year. And because Medicare Supplement policies are guaranteed renewable, you cannot lose coverage if you develop a health condition or concern-meaning you're protected year over year, no matter what.
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The chart shows the benefits included in each of the standard Medicare supplement plans. Some plans may not be available. Only applicants first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F. (✓= 100% of benefit is paid)
| BENEFITS | PLANS AVAILABLE TO ALL APPLICANTS | MEDICARE FIRST ELIGIBLE BEFORE 2020 ONLY |
||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| A | B | D | G1 | K | L | M | N | C | F1 | |
| Medicare Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Medicare Part B coinsurance or Copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓3 | ✓ | ✓ |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Skilled nursing facility coinsurance | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | ✓ | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Out-of-pocket limit in 20262 | $8,0002 | $4,0002 | ||||||||
1 Plans F and G also have a high deductible option which require first paying a plan deductible of $2,950 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible.
2 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
3 Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in an inpatient admission.
