Original Medicare covers many health-care services and supplies but not all. This may leave you with many out-of-pocket costs. This is where Medicare Supplements Plans may help. Also known as Medigap Plans, these plans compliments your Original Medicare, which means you can’t enroll for these plans if you don’t have original Medicare (part A and part B).

These plans are sold by private insurance companies in most states. There are 10 standardized Medicare supplement plans available in most states: A, B, C, D, F, G, M, K, L and M. In most states, these plans have the same standardized benefits for each letter category but works differently in Massachusetts, Minnesota, and Wisconsin, which standardize their plans differently from the rest of the country.

Below is a chart showing basic information about the different benefits that Medigap policies cover:

Benefits A B C D F G K L M N
Medicare Part A Coinsurance

and Hospital Costs

ü ü ü ü ü ü ü ü ü ü
Medicare Part B Coinsurance

or Copayment

ü ü ü ü ü ü 50% 75% ü ü
Blood, First Three Pints ü ü ü ü ü   50% 75% ü ü
Part A Hospice Care Coinsurance

or Copayments

ü ü ü ü ü ü 50% 75% ü ü
Skilled Nursing Facility Care


    ü ü ü ü 50% 75% ü ü
Part A Deductible   ü ü ü ü ü 50% 75% 50% ü
Part B Deductible     ü   ü          
Part B Excess Charges         ü ü        
Foreign Travel Emergency       ü ü ü     ü ü



Although these plans are sold by different private insurance companies, every Medigap policy must be standardized. This means that, every insurance company offering a certain plan, must provide the same exact benefits as their competition.


Important facts about the Best Medicare supplement plans

  • You must have Medicare Part A and Part B for you to enroll in a Medicare Supplement Plan.
  • These plans cover one person only.
  • You can buy these plans from any insurance company in your state that’s licensed to sell one.
  • You can use your plans with any doctor or health provider , anywhere in the U.S as long as the provider accepts Medicare.
  • If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
  • These plans do not cover prescription drugs.
  • If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Medicare Part D).