Every Medigap policy must follow federal and state laws designed to
protect you, and it must be clearly identified as "Medicare Supplement
Insurance." Insurance companies can sell you only a "standardized"
policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
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
The Medigap policy covers coinsurance only after you've paid the deductible (unless the Medigap policy also pays the deductible).
Compare Medigap plans side-by-side
The chart below shows basic information about the different benefits Medigap policies cover.
Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
* 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 $2,180 in 2016 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 copayment of up to $20 for some office visits
and up to a $50 copayment for emergency room visits that don't result in
You live in Massachusetts, Minnesota, or Wisconsin
If you live in one of these 3 states, Medigap policies are standardized in a different way.