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Medigap (Med-Supp) Plan Letter Guide
See what each standardized Medigap letter covers.
Medigap (Medicare Supplement) plans are standardized by letter. Plan G from Company A covers the same benefits as Plan G from Company B—premiums, discounts, and household rules differ. This tool compares letters, not carrier prices.
Medigap works with Original Medicare and does not include Part D drug coverage. Plans C and F are generally unavailable if you first became eligible in 2020 or later. High-deductible Plan F and high-deductible Plan G exist and are not in this chart. Plan N’s Part B coinsurance uses copays of up to $20 for some office visits and up to $50 for emergency room visits. The emergency-room copay is waived if you are admitted. The federal chart is on Medicare.gov.
Massachusetts, Minnesota, and Wisconsin do not use this letter chart. If you live in one of those states, the standardized benefits below do not match what you can buy.
Focus the side-by-side
Compare plan letters
Select 2–4 letters. Amber cells differ from Plan G, the column used as a visual baseline.
* Plans C and F: generally only if first eligible before Jan 1, 2020.
Legend: ✓ covered · — not covered · 50%, 75%, Copays, and Limited stay as words.
| Benefit | D | GBaseline | N |
|---|---|---|---|
| coinsurance & hospital costsHelps with inpatient hospital coinsurance after Medicare pays its share (up to an additional 365 days). | ✓ | ✓ | ✓ |
| coinsurance / copayUsually the 20% you owe for outpatient / doctor services after the Part B deductible. | ✓ | ✓ | Copays |
| Blood (first 3 pints)Coverage toward the first three pints of blood each year. | ✓ | ✓ | ✓ |
| hospice coinsuranceHelps with hospice-related coinsurance/copay amounts. | ✓ | ✓ | ✓ |
| Skilled nursing facility coinsuranceHelps with SNF coinsurance for days 21–100 when Medicare covers the stay. | ✓ | ✓ | ✓ |
| deductiblePays the inpatient hospital deductible each benefit period. | ✓ | ✓ | ✓ |
| deductiblePays the annual Part B deductible. Only available on plans sold to people first eligible before 2020 (Plan C/F). | — | — | — |
| excess chargesHelps if a provider charges more than the Medicare-approved amount (where excess charges are allowed). | — | ✓ | — |
| Foreign travel emergencyLimited emergency care abroad after a deductible—caps apply; not a travel insurance replacement. | Limited | Limited | Limited |
| Out-of-pocket limitPlans K and L include a yearly out-of-pocket maximum; after you hit it, the plan pays 100% of covered services for the rest of the year. | — | — | — |
Plan D
Covers key coinsurance and the Part A deductible, but not Part B excess charges.
Does not cover Part B excess charges.
Plan G
Covers almost all standardized gaps except the Part B deductible. Includes Part B excess charges.
Covers Part B excess charges. Does not cover the Part B deductible.
Plan N
Similar to Plan G on many hospital benefits. Part B coinsurance uses copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission. Plan N does not cover Part B excess charges.
Part B coinsurance uses copays of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to admission. Does not cover Part B excess charges.
Compare letters side by side. If you'd like help later, a licensed agent can walk you through your options.
- Premiums for the same letter can differ by carrier, state, and ZIP.
- Companies may rate by attained age, issue age, or community rating.
- Medigap open enrollment around Part B start is usually the easiest time to buy.
- Part D drug coverage is separate from Medigap.
For official information and to compare all plans in your area, visit Medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048). Related: Medigap basics · Medigap benefits by letter.
Educational estimates only—not Medicare, CMS, or Social Security advice. Figures use published 2026 reference amounts and can change. A licensed agent can review your situation before you choose or change coverage.