Compare 2021 Medicare Supplement plans side by side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).


All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you. 


In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.


Did you know that each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medigap policies:

  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan A if they offer any Medigap policy
  • Must also offer Plan C or Plan F if they offer any plan


Keep in mind, that the Medicare Supplement policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible). 

Compare Medicare Supplement Plans Side-By-Side

The chart below shows basic information about the different benefits Medigap policies cover.


Y = the plan covers 100% of this benefit
N = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

A B C D F* G K L M N
Part A coinsurance and hospital costs Y Y Y Y Y Y Y Y Y Y
Part B coinsurance or co-payment Y Y Y Y Y Y 50% 75% Y Y
Blood (first 3 pints) Y Y Y Y Y Y 50% 75% Y Y
Part A hospice care coinsurance or co-payment Y Y Y Y Y Y 50% 75% Y Y
Skilled nursing facility care coinsurance N N Y Y Y Y 50% 75% Y Y
Part A deductible N Y Y Y Y Y 50% 75% 50% Y
Part B deductible N N Y N Y N N N N N
Part B Excess charge N N N N Y Y N N N N
Foreign travel exchange (up to plan limits) N N 80% 80% 80% 80% N N 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A $5,880 $2,940 N/A N/A

* 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 $2,340 in 2021 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 co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that don't result in inpatient admission.


Source: www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.

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