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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 2021.

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 for the first time in 2021 will not be allowed to get Plans C or F. Moreover, the most comprehensive Medgiap Plans available for you are Plan G and Plan N.

Medigap 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.

Medicare Supplement Plans Comparison Chart
  • Plan F
  • Plan G
  • Plan K
  • Plan L
  • Plan N

Medigap Plan F has the highest monthly premiums. Some supplement companies may also offer high-deductible plans. According to CMS.gov, the high-deductible options for Plans F and G is $2,370 in 2021. A beneficiary must pay the deductible before receiving plan benefits.

Medicare Plan G has lower monthly premiums than Plan F. Furthermore, Plan G has the same comprehensive coverage as Plan F, with one difference. In 2021,  you pay a $203 Part B deductible once a year. If you want to spend less per year than Plan F, consider getting a quote for Plan G.

Medigap Plan K pays 100% of Part A coinsurance, but only 50% of other benefits. In 2021, the maximum out-of-pocket limit for Plan K has increased by $660. The new Plan K out-of-pocket limit is $6,220.

Medigap Plan L pays 100% of Part A coinsurance, but only 75% of other benefits. Maximum out-of-pocket limits have increased from $2,780 in 2020 to $3,110 in 2021.

Medicare Plan N is the same as Plan G, except for the following:

  • Outpatient doctor visits may cost you up to $20 copay
  • Emergency room visits, which do not result in an inpatient hospital admission, may cost you up to $50 copay

NEW OUT-OF-POCKET LIMITS ON PLAN K AND PLAN L

In 2021, the maximum out-of-pocket limit for Plan K has increased by $660. The new Plan K out-of-pocket limit is $6,220. Likewise, the maximum out-of-pocket limit for Plan L has increased from $2,780 in 2020 to $3,110 in 2021. 

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. 

 

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