Approximate portion of all Medicare beneficiaries who have a Medigap policy
Number of Americans enrolled in a Medicare Supplement plan
Growth in the number of people enrolled in Medicare Supplement plans since 2010
Increase in number of Medigap enrollees from 2016 to 2017
F, N, D, G are the most popular Medicare Supplement plans
Join the rising number of seniors with a Medicare Supplement plan. Between 2010 and 2015 enrollment grew from 9.7 million to 12.2 million.
Medicare Supplement Plans, also known as Medigap plans, cover many of your Medicare Part A and B out-of-pocket costs such as deductibles and coinsurance. Whether you prefer higher premiums or lower out-of-pocket costs, see below to see which plan could be right for you.
Moderate premiums, lower out-of-pocket costs
Medicare Supplement Plan F covers the basic Medicare benefits, plus coverage for Medicare Part A and B deductibles, skilled nursing care, emergency care abroad and 100% of Part B excess charges—this is the difference between what a provider charges and the amount Medicare will pay up to Medicare’s limiting amount. A high-deductible option is available that can lower your premiums.
Plans K and L
Higher out-of-pocket costs, but with annual out-of-pocket limits.
Medicare Supplement Plans K and L cover a range of medical costs, including doctor’s services and hospital care. The plans pay a percentage of your costs, and then you are responsible for the remainder. Each Medicare Supplement Plan K and L has its own out-of-pocket maximum, which limits the amount you have to pay each year.
Moderate out-of-pocket costs for office visits and ER copays.
Another lower-premium option offering the same basic benefits; however, includes an office copayment of up to $20 and an emergency room copayment of up to $50. Medicare Supplement Plan N also covers Medicare Part A deductibles, skilled nursing care and emergency care abroad.