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
N/A = not applicable


MEDIGAP BENEFITS		 Medigap Plans
  A B C D F* G K L M N
Part A coinsurance
and hospital costs
up to an additional 365 days after Medicare benefits are used up		 Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A $6,620 $3,310 N/A N/A

*Plan F and G on the above Medicare Supplement chart offers a high-deductible plan. If you have this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,490 before your Medigap plan pays anything.

Note that as of January 1, 2020, Medigap plans sold to new people with Medicare aren’t allowed to cover the Part B deductible. Because of this, Plans C and F are not available to people new to Medicare starting on January 1, 2020.

**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.

***Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000.

****Plan N on the above Medicare Supplement Chart 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 inpatient admission.

*********The above premiums represent national averages.  Plan premiums can and do vary by state and by carrier.

The above Medicare Supplement chart information was retrieved from Medicare.gov.

Note that O’Brien & Associates, and Larry O’Brien are not part of the Federal Medicare program.