How Many Medicare Supplement Plans Are There?

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated July 9th, 2023

Medicare Supplement Plans

Medigap plans are a vital part of healthcare for any senior or retiree. While Original Medicare provides relief for the swelling costs of healthcare in the United States, it doesn’t cover you for everything.

Taking a Medigap policy helps you cope financially with the additional out-of-pocket expenses not covered by Original Medicare.

If you want better predictability in your healthcare budget and confidence knowing you have the best overage for handling the expenses Medicare Parts A & B don’t cover.

How many Medicare supplement plans are there?

What does each offer, and how can you apply for one?


We Can Help You Choose the Right Medigap Plan

Finding the right Medigap plan to suit your healthcare needs requires research and thought. We offer you a free consultation to assist you in making an informed decision on the right plan.

Choosing the Right Medicare PlanReach out to our team of professional licensed agents at 1-888-891-0229, and we’ll get you there.

Use the calculator on our site for a free automated quote on any Medigap plan in your area.

Complete the contact form on this site, and we’ll get a competent, knowledgeable broker to call you back for a free consultation.


How Many Medicare Supplement Plans Are There?

There are ten Medigap plans as shown on the 2024 comparison chart. They are Plans A, B, C, D, F, G, K, L, M, and N. Each comes with a different level of coverage available at a premium cost to suit your budget.


Medicare Supplement plans comparison chart


Plans C, F, E, H, I, and J are no longer available to new Medigap enrollees. If you were eligible for Medicare before January 1, 2020, you could still access Plans C & F.

Plan F was the most popular Medigap plan to date due to the fully-comprehensive coverage it offered beneficiaries. However, new enrollees can look at Plan G for a similar substitute.

The difference between Plan F & G is that Plan F covers the Part B deductible, whereas Plan G doesn’t.

However, you get a lower premium with Plan G, which contributes to covering the $226 for the Part B deductible in 2023.

Massachusetts, Minnesota, and Wisconsin have different rules surrounding Medigap plans from the other states.

The Federal government regulates the industry, ensuring that all providers offer the same standardized benefits in their Medigap plans.

Insurers offering Medigap plans must provide options for Medigap Plan A and Plan C or F.

However, the Federal government doesn’t require insurers to offer every plan in the Medigap range. Plans G & F come in standardized or high-deductible versions.

The difference with the HD version is that the Part A deductible increases from $1,600 (in 2023) to $2,700. However, you get a lower premium cost.

So, while the deductible is higher, you benefit from a lower monthly expense and still retain all the benefits of the plans after reaching this deductible limit.


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The Four Most Popular Medigap Plans

While there are ten Medigap plans available, four of them are the most popular options for new enrollees, Plans F, G, N, and K. Let’s look at each in detail.


Plan F 2023Medicare Plan F

As mentioned, Plan F was the most popular option for Medigap. However, it’s no longer available to new enrollees in Medicare.

If you were eligible for Medicare before January 1, 2020, you could still apply for plan F. However, since it’s out of the open enrollment window, you’ll have to undergo medical underwriting for acceptance by an insurer.

Existing Plan F members get to maintain their policy. Plan F was so popular because it covered all of the additional healthcare costs left by Original Medicare Parts A & B, including the Part B deductible.

As a result, you get coverage for almost everything, giving you nothing to pay out of pocket.


Plan G 2023

Medicare Plan G

Medicare Plan G is the closest alternative to Plan F.

The only thing it doesn’t cover that Plan F does is the Part B Deductible.

Both Plan F & G come in high-deductible versions, but the HD version isn’t available from all insurers.

Plan G is the best choice for new enrollees wanting the best coverage from their Medigap plan.



Plan N 2023Medicare Plan N

Medicare Supplement Plan N is a good choice for healthy seniors. If you don’t make many trips to the doctor or the emergency room during the year but still want the best level of coverage in the event of a healthcare emergency, Medicare Plan N could be an excellent choice.

The difference between Plan N & G is that you’ll have to make a $20 copayment on visits to the doctor or a $50 copayment on trips to the emergency room that don’t result in you being hospitalized. Plan N also doesn’t cover the Part B excess charge where the healthcare professional doesn’t offer services at Medicare-approved rates.



Medicare Plan KMedicare Plan K

Plan K is the most affordable plan offering you decent coverage.

It only contributes 50% of the costs to some services, such as the Part A deductible, Part B coinsurance, and others.

However, it’s an affordable policy and a good choice for low-income seniors and retirees.



Comparing Coverage from the Four Top-Rated Medigap Plans

Here’s a rundown of the coverage offered by the four most popular Medigap plans. These premiums are based on a 65-year-old female nonsmoker. They’re nationwide averages, so the premiums could be higher or lower in your state or from insurer to insurer.

Consult our team for the best rates on Medigap premiums in your area, or use our web calculator for a free automated quote.


Plan F    Plan G   Plan K    Plan N

Average Monthly cost                    $179      $145      $77        $111

Part A coinsurance          Yes         Yes         Yes         Yes

Part B coinsurance          Yes         Yes         50%       Yes

Blood (3 pints)                  Yes         Yes         50%       Yes

Part A hospice care         Yes         Yes         50%       Yes

Skilled nursing facility     Yes         Yes         50%       Yes

Part A deductible             Yes         Yes         50%       Yes

Part B deductible             Yes         No          No          No

Part B excess charges     Yes         Yes         No          No

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What are the Advantages of a Medigap Plan?

  • Medigap plans to provide additional coverage to Medicare and healthcare costs, such as deductibles, copayments, and coinsurance.Advantages of Medigap
  • The more comprehensive plans, like Plan F & G, eliminate almost all your inpatient and outpatient healthcare costs, providing stability and predictability to your annual medical expenses.
  • Enrolling during the six-month “Open Enrollment” period after you turn 65 guarantees acceptance to the Medigap plan of your choosing, with any insurer, even with a pre-existing health condition.
  • Medigap plans will cover 80% of emergency healthcare services when traveling outside the United States, provided you meet the $250 deductible. There’s also a $ 50,000 lifetime maximum on this benefit.
  • Medigap plans let you see any medical professional in the Medicare Network anywhere in the United States.


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Frequently Asked Questions


  How many Medicare supplement plans are available?

Currently, there are 10 standardized Medicare supplement plans available, labeled with letters A, B, C, D, F, G, K, L, M, and N. These plans offer different levels of coverage to meet various healthcare needs.


  What are the differences between the 10 Medicare supplement plans?

Although the basic benefits are standardized across all plans, the coverage levels and benefits offered can vary. For example, Plan F and Plan G tend to provide more comprehensive coverage, while other plans may have cost-sharing requirements or offer lower premiums.


  Are all Medicare supplement plans available in every state?

While the standardized benefits of each plan are the same, not all plans may be available in every state. Availability can vary by location, so it’s important to check with insurance providers in your specific state.


  Are all insurance companies required to offer all 10 Medicare supplement plans?

Insurance companies are not required to offer all 10 Medicare supplement plans. However, they must offer Plan A if they choose to offer any Medicare supplement plans. Insurance companies can choose which additional plans they want to offer.


  Are the benefits the same for each Medicare supplement plan with the same letter?

Yes, the benefits are the same for each Medicare supplement plan with the same letter. For example, the benefits provided by Plan G from one insurance company will be identical to Plan G from another insurance company.


  Can I switch between Medicare supplement plans?

Yes, you can switch between Medicare supplement plans at any time, although you may be subject to medical underwriting if you switch plans outside of your initial enrollment period. It’s advisable to carefully compare the benefits and costs of different plans before making a switch.


  Are the premiums the same for each Medicare supplement plan with the same letter?

No, the premiums for Medicare supplement plans can vary among insurance companies, even for plans with the same letter. It’s important to compare premiums from different insurance providers to find the best price for the plan you choose.


  Are all 10 Medicare supplement plans available to people under 65 with disabilities?

No, not all 10 Medicare supplement plans are available to people under 65 with disabilities. Some states may not require insurance companies to offer Medicare supplement plans to those under 65, while others may offer limited options.


  Can I have a Medicare supplement plan and a Medicare Advantage plan at the same time?

No, you cannot have a Medicare supplement plan and a Medicare Advantage plan at the same time. These two types of coverage cannot be used together. You must choose one or the other to ensure coordinated healthcare benefits.


  How do I choose the right Medicare supplement plan for me?

Choosing the right Medicare supplement plan depends on your specific healthcare needs and budget. Consider factors such as the coverage provided, premium costs, the reputation of the insurance company, and customer reviews. It’s also helpful to consult with a licensed insurance agent who can guide you through the selection process.

Find the Right Medicare Plan for You

Discovering the right Medicare plan doesn’t have to be overwhelming. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.

Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!

Medicare Supplement Plan G Rates