A comparison chart is the fastest way to see how the 10 standardized Medigap plans stack up. Here's how to read one.
How to read a Medigap comparison chart
A Medigap comparison chart lists the 10 standardized plans (A, B, C, D, F, G, K, L, M, N) across the top and the benefits down the side, marking which gaps each plan covers. Key benefits include the Part A deductible and coinsurance, Part B coinsurance, Part B deductible (only older Plan C and F), Part B excess charges (Plan F and G only), skilled nursing coinsurance, blood, hospice, and foreign travel emergencies. Plans F and G cover the most; Plan N adds small copays; Plans K and L cover a percentage with an out-of-pocket cap. Because benefits are standardized, the chart applies to every insurer. Call 1-800-MEDIGAP (1-800-633-4427) for a personalized version.
Which plans cover the most?
On any comparison chart, Plan F covers the most, every standard gap including the Part B deductible, but it's closed to those who became eligible after 2019. Plan G is next, covering everything except the Part B deductible, making it the top choice for new enrollees. Plan N covers slightly less, trading small copays and excess charges for a lower premium. Plans K and L cover only a percentage of costs but add a yearly out-of-pocket maximum, which can suit budget-focused enrollees. The right plan balances coverage against premium. A licensed agent at 1-800-MEDIGAP can match the chart to your needs.