Medigap Plans Comparison

What is Medigap?

Medigap (Medicare Supplement Insurance) fills the gaps in Original Medicare coverage — primarily the Part A and Part B deductibles, coinsurance, and copayments. Medigap plans are sold by private insurers but are standardized by the federal government, meaning Plan G from one insurer covers exactly the same benefits as Plan G from another insurer. You shop on price and insurer reputation, not coverage.

The most popular Medigap plans

Plan G is the most comprehensive plan available to new Medicare enrollees (Plan F was discontinued for new enrollees in 2020). Plan G covers everything except the Part B deductible ($257 in 2025). It is the most popular choice for people who want comprehensive coverage and predictable costs.

Plan N covers everything Plan G covers except for Part B excess charges and has small copayments ($20 for office visits, $50 for emergency room visits). It typically costs $30–$60/month less than Plan G and is a good option for people who rarely need specialist care.

Plan K and Plan L are high-deductible options with lower premiums but higher out-of-pocket exposure. They are suitable for people who want catastrophic protection but are willing to pay more for routine care.

When to buy Medigap

The best time to buy Medigap is during your 6-month Medigap Open Enrollment Period, which begins when you turn 65 and are enrolled in Part B. During this window, insurers cannot deny you coverage or charge you more based on health conditions. After this window, you may be subject to medical underwriting.