Medigap plans are standardized, so a Plan G is a Plan G no matter which company sells it. The benefits are identical by law; only the price and the service differ. Here is how all ten plans stack up and which ones most people choose.
Medicare Supplement plans are labeled by letter, and the federal government sets exactly what each letter covers. That is the part that works in your favor: once you pick a letter, every insurer must offer the same benefits for that plan. So the real job is choosing the right letter for your needs, then shopping carriers for the best price on it. That is what we do for you, at no cost.
The chart below shows the benefits included in each standardized plan for 2026. A check means the plan pays 100% of that benefit. Only people first eligible for Medicare before 2020 may buy Plans C and F.
Swipe sideways to see all 10 plans →
| Benefit | Available to all applicants | Eligible before 2020 only | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| A | B | D | G | K | L | M | N | C | F | |
| Part A coinsurance & hospital costs (up to 365 extra days) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓3 | ✓ | ✓ |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Skilled nursing facility coinsurance | — | — | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Part A deductible | — | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | ✓ | ✓ |
| Part B deductible ($283 in 2026) | — | — | — | — | — | — | — | — | ✓ | ✓ |
| Part B excess charges | — | — | — | ✓ | — | — | — | — | — | ✓ |
| Foreign travel emergency (up to plan limits) | — | — | 80% | 80% | — | — | 80% | 80% | 80% | 80% |
| Out-of-pocket limit in 20262 | — | — | — | — | $8,000 | $4,000 | — | — | — | — |
✓ = plan pays 100% of this benefit. Highlighted columns (G and F) are the most comprehensive options.
1 Plans F and G also offer a high-deductible version. In 2026 you first pay a $2,950 plan deductible, then the plan pays 100% of covered services for the rest of the year. High-Deductible Plan G does not cover the Part B deductible.
2 Plans K and L pay 100% of covered services for the rest of the calendar year once you reach the out-of-pocket limit ($8,000 for K, $4,000 for L in 2026) and the Part B deductible.
3 Plan N pays 100% of the Part B coinsurance, except for a copay of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission.
Plans C and F are available only to people who became eligible for Medicare before January 1, 2020.
| Benefit | Plan G | Plan N | HD Plan G | Plan F* |
|---|---|---|---|---|
| Part A hospital coinsurance | Yes | Yes | Yes | Yes |
| Part B coinsurance | Yes | Yes, small copays may apply | Yes | Yes |
| Part A deductible | Yes | Yes | After $2,950 deductible | Yes |
| Part B deductible | No | No | After $2,950 deductible | Yes |
| Part B excess charges | Yes | No | Yes | Yes |
| Foreign travel emergency | Yes | Yes | Yes | Yes |
| Typical monthly premium | Higher | Lower | Lowest | Highest |
Plan F is only available to people who were eligible for Medicare before January 1, 2020. If that is you, it can still be kept or quoted; if you became eligible later, Plan G is the closest equivalent and usually the smarter buy.
The most popular choice today. Predictable, near-complete coverage; you pay only the once-a-year Part B deductible ($283 in 2026).
See Plan GLower premium for people who do not mind small copays at the doctor or ER. A strong value for many.
See Plan NLowest premium. Full Plan G benefits after you meet the $2,950 yearly deductible. Great for healthy, budget-minded folks.
See HD Plan GFirst-dollar coverage for those eligible before 2020. We can quote it if you qualify.
See Plan FYour Medigap Open Enrollment Period is a six-month window that starts when you are 65 and enrolled in Part B. During it, you can buy any plan with no medical questions and no health-based pricing. After it ends, in most states an insurer can review your health and decline you. If you are in that window now, it is the best time to lock in a plan. If you missed it, we can still look at your options and timing, including Missouri's Anniversary Rule.
Real reviews from the people we have helped choose and price a Medigap plan.
Tell us the plan letter you are leaning toward, or let us recommend one, and we will shop multiple carriers to find your lowest price on identical coverage. No fees, no obligation, no pressure.
Cole Insure, LLC is a licensed independent insurance agency. This is an advertisement for insurance. Medicare Supplement (Medigap) benefits are standardized by federal law, but premiums, underwriting, and availability vary by carrier, state, age, and eligibility date. Plan F and Plan C are available only to those eligible for Medicare before January 1, 2020. The chart above reflects standardized 2026 benefits and is a general summary, not a complete statement of benefits; refer to the official outline of coverage for each plan. Medigap plans do not include prescription drug coverage, which is purchased separately through a Part D plan. Medicare has neither reviewed nor endorsed this information. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. To get information on all of your options, contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP). Figures are current as of 2026 and subject to change.