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Medigap Plans by the Numbers (or Letters!)

20%
Approximate portion of all Medicare beneficiaries who have a Medigap policy

13.6 M
Number of Americans enrolled in a Medicare Supplement plan

40%
Growth in the number of people enrolled in Medicare Supplement plans since 2010

500,000
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 Plans A and B cover basic co-insurance and copayment costs for hospitalization, medical expenses, and hospice care. Medicare Supplement Plan B provides additional coverage for Part A deductibles.

Medicare Supplement Plan C covers the basic Medicare benefits plus skilled nursing care, certain Medicare Part A and Part B deductibles and emergency care abroad.

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.

Medicare Supplement Plan G covers basic Medicare benefits plus coverage for additional costs like Part A deductibles, skilled nursing care, Part B excess charges (charges above what Medicare pays) and emergency care abroad.

Lower 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.

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