Medicare Supplement Plans Comparison Chart
The Medicare Supplement Plans Comparison Chart is updated annually by Medicare.gov . Our Medigap Benefits Chart uses data from Medicare.gov and is up-to-date for 2026.
Federal and State laws make it easy to compare Medicare Supplement plans. Medicare law says companies must identify Medigap Plans by letter. If you were eligible for Medicare before 2020, you could have bought any of these ten Medicare Plans: A, B, C, D, F, G, K, L, M, and N.
However, people newly eligible for Medicare starting January 1, 2020, could only buy one of these eight Medicare Plans: A, B, D, G, K, L, M, and N. In other words, people who enroll in a Medicare Supplement plan in 2026 will not be allowed to get Plans C or F. Moreover, the most comprehensive Medigap Plans available for you are Plan G and Plan N.
The Medicare Supplement Plans Comparison Chart is updated annually by Medicare.gov . Our Medigap Benefits Chart uses data from Medicare.gov and is up-to-date for 2026.
Federal and State laws make it easy to compare Medicare Supplement plans. Medicare law says companies must identify Medigap Plans by letter. If you were eligible for Medicare before 2020, you could have bought any of these ten Medicare Plans: A, B, C, D, F, G, K, L, M, and N.
However, people newly eligible for Medicare starting January 1, 2020, could only buy one of these eight Medicare Plans: A, B, D, G, K, L, M, and N. In other words, people who enroll in a Medicare Supplement plan in 2026 will not be allowed to get Plans C or F. Moreover, the most comprehensive Medigap Plans available for you are Plan G and Plan N.
Medicare Supplement Plans Comparison Chart
You can use the Medigap Benefits chart for a side-by-side comparison of Medicare Supplement Plans A – N. Plans with 100% provide full benefit coverage. However, some plans only have partial benefit coverage, such as 80%, 75%, and 50%.
Plans with X do not cover that particular benefit. If you were newly eligible for Medicare starting on or after January 1, 2020, then Plan C and Plan F are not available to you. However, beneficiaries who had Plans C or F before 2020 can keep them. A personalized Medigap plan comparison is always better – let us help you compare policies.
Medigap Plan F has one of the highest monthly premiums. Some supplement companies may also offer high-deductible plans. According to CMS.gov , the high-deductible option for Plans F and G is $2,950 in 2026. A beneficiary must pay the deductible before receiving plan benefits.
Medicare Plan G typically has lower monthly premiums than Plan F. Furthermore, Plan G has the same comprehensive coverage as Plan F, with one difference. In 2026, you pay a $283 Part B deductible once a year. If you want a lower monthly premium, consider getting a quote for Plan G.
Medigap Plan K pays 100% of Part A coinsurance, but only 50% of other benefits. In 2026, the maximum out-of-pocket limit for Plan K increased to $8,000.
Medigap Plan L pays 100% of Part A coinsurance, but only 75% of other benefits. Maximum out-of-pocket limits have increased in 2026 to $4,000.
Medicare Supplement Plan N offers many of the same benefits as Plan G, but with a few important differences:
Office Visits: Plan N, you may pay a copayment of up to $20 for certain outpatient doctor visits.
Emergency Room Visits: Plan N, you may pay a copayment of up to $50 for emergency room visits that do not result in an inpatient hospital admission.
Part B Excess Charges: Plan N does not cover Medicare Part B excess charges. If a provider does not accept Medicare assignment, you may be responsible for excess charges of up to 15% above the Medicare-approved amount. Plan G covers these excess charges in full.
Plan F
Medigap Plan F has one of the highest monthly premiums. Some supplement companies may also offer high-deductible plans. According to CMS.gov , the high-deductible option for Plans F and G is $2,950 in 2026. A beneficiary must pay the deductible before receiving plan benefits.
Plan G
Medicare Plan G typically has lower monthly premiums than Plan F. Furthermore, Plan G has the same comprehensive coverage as Plan F, with one difference. In 2026, you pay a $283 Part B deductible once a year. If you want a lower monthly premium, consider getting a quote for Plan G.
Plan K
Medigap Plan K pays 100% of Part A coinsurance, but only 50% of other benefits. In 2026, the maximum out-of-pocket limit for Plan K increased to $8,000.
Plan L
Medigap Plan L pays 100% of Part A coinsurance, but only 75% of other benefits. Maximum out-of-pocket limits have increased in 2026 to $4,000.
Plan N
Medicare Supplement Plan N offers many of the same benefits as Plan G, but with a few important differences:
Office Visits: Plan N, you may pay a copayment of up to $20 for certain outpatient doctor visits.
Emergency Room Visits: Plan N, you may pay a copayment of up to $50 for emergency room visits that do not result in an inpatient hospital admission.
Part B Excess Charges: Plan N does not cover Medicare Part B excess charges. If a provider does not accept Medicare assignment, you may be responsible for excess charges of up to 15% above the Medicare-approved amount. Plan G covers these excess charges in full.
NEW OUT-OF-POCKET LIMITS ON PLAN K AND PLAN L
In 2026, the maximum out-of-pocket limit for Plan K and Plan L increased. The new Plan K out-of-pocket limit is $8,000. Likewise, the maximum out-of-pocket limit for Plan L increased to $4,000 in 2026.
Foreign Travel Emergency Benefits
Medigap Plans with the most comprehensive coverage, including Plans F, G, and N, have foreign travel emergency benefits. You can also get these benefits with Medicare Supplement Plans C, D, and M. However, Plans A, B, K, and L, do not provide foreign travel emergency benefits.Medicare may provide foreign travel coverage under certain situations when traveling outside the United States. If you do not meet these particular circumstances, then Medicare will not cover foreign travel.
YM03182201 and YM06022301