This first chart shows the most popular plans and how they coordinate with Original Medicare. The first column on the left identifies the different parts of Original Medicare as well as the deductibles and coinsurance. The second column tells what Medicare pays and doesn’t pay in reference to their deductibles and coinsurance. The third, fourth and fifth column tell what these Medicare Supplement Plans pay on your behalf regarding those deductibles and coinsurance.
| Medicare Part A Hospital Insurance | Medicare Pays | Plan F Pays | Plan G Pays | Plan N Pays |
|---|---|---|---|---|
| Deductible | Nothing | $1,600 | $1,600 | $1,600 |
| First 60 Days | 100% | |||
| Coinsurance 61-90 Days | All but $400 a day | $400 a day | $400 a day | $400 a day |
| Coinsurance 91-150 Days | All but $800 a day | $800 a day | $800 a day | $800 a day |
| Extended Hospital Coverage (up to an additional 365 Days in your lifetime) | Nothing | Eligible Expenses | Eligible Expenses | Eligible Expenses |
| Benefit for Blood | All but three pints | Three pints | Three pints | Three pints |
|
Skilled Nursing Facility Care |
||||
| Medicare Part A Hospital Insurance | Medicare Pays | Plan F Pays | Plan G Pays | Plan N Pays |
| First 20 days | 100% | |||
| Coinsurance 21-100 days | All but $200 a day | Up to $200 a day | Up to $200 a day | Up to $200 a day |
|
Hospice Care |
||||
| Medicare Part A Hospital Insurance | Medicare Pays | Plan F Pays | Plan G Pays | Plan N Pays |
| Outpatient Prescription Drugs | All but very limited copay | Medicare copay | Medicare copay | Medicare copay |
| Inpatient Respite Care | All but very limited copay | Medicare copay | Medicare copay | Medicare copay |
|
Medicare Part B Medical Insurance |
Medicare Pays | Plan F Pays | Plan G Pays | Plan N Pays |
| Deductible | Nothing | $226 | ||
| Coinsurance | 80% | Generally 20% | Generally 20% | Generally 20%** |
| Excess Benefits | 100% up to Medicare’s limit | 100% up to Medicare’s limit | ||
| Benefit for Blood | All but three pints | Three pints | Three pints | Three pints |
| Additional Benefit | ||||
| Medicare Part A Hospital Insurance | Medicare Pays | Plan F Pays | Plan G Pays | Plan N Pays |
| Emergency Care Received Outside the U.S. | Nothing | Generally 80% of lifetime max of $50,000 | Generally 80% of lifetime max of $50,000 | Generally 80% of lifetime max of $50,000 |
This chart shows the basic information about the different benefits that Medigap policies cover for 2023. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you are responsibile for the rest.
| Benefits | A | B | C | D | *F | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% *** |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility care coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Part A deductible | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B deductible | 100% | 100% | ||||||||
| Part B excess charges | 100% | 100% | ||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Out-of-pocket limit in 2022** | $6,940 | $3,470 |
*Plan F is also offered as a high-deductible plan by some insurance companies in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,700 in 2023 before your policy pays anything.
**For Plans K and L, after you meet your out-of pocket yearly limit and your yearly Part B deductible ($226 in 2023), 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 an inpatient admission.