Medicare Supplement (Medigap)
A Medigap policy works alongside Original Medicare and pays some or all of what Medicare leaves you owing. Plans are standardized by letter, so a Plan G covers the same things whichever company sells it — only the price differs.
- Any doctor or hospital that takes Medicare. No network.
- No drug coverage. You would buy a separate Part D plan.
- A monthly premium on top of Part B. Many Medicare Advantage plans charge nothing beyond Part B.
- Most letters have no out-of-pocket limit, because they cover the charges instead of capping them.
Premiums
Set your ZIP code in the bar above to see Medigap premiums where you live.
What you pay for care
Original Medicare’s 2026 charges, and what is left after each plan pays. The same in every state that uses lettered plans.
Save and share
| Benefit | Original Medicare only | Plan G | Plan N | Plan K |
|---|---|---|---|---|
| Out-of-pocket limit | None | None | None | $8,000 a year |
| Part A coinsurance and hospital costs (365 extra days) | $434 a day | $0 | $0 | $0 |
| Part B coinsurance or copayment Applies across every Part B service -- office visits, specialists, outpatient, ambulance. Mapped to primary care for display, but it is not a per-visit benefit the way an MA copay is. | 20% of each bill | $0 | $0Except copays up to $20 per office visit and up to $50 per emergency room visit not resulting in admission. | 10% of each bill |
| Blood (first 3 pints) | You pay in full | Covered | Covered | Plan pays 50% |
| Part A hospice care coinsurance or copayment | You pay in full | Covered | Covered | Plan pays 50% |
| Skilled nursing facility care coinsurance | $217 a day | $0 | $0 | $108.50 a day |
| Part A deductible | $1,736 each benefit period | $0 | $0 | $868 each benefit period |
| Part B deductible Plans sold to people new to Medicare on or after 2020-01-01 may not cover this, which is why Plans C and F are closed to them. | $283 a year | $283 a year | $283 a year | $283 a year |
| Part B excess charges What a non-participating provider may bill above the Medicare-approved amount, up to 15%. Has no MA analogue: MA networks do not generate excess charges. | You pay in full | Covered | You pay in full | You pay in full |
| Foreign travel emergency (up to plan limits) Original Medicare covers almost nothing abroad, so here the Medigap plan is the only payer rather than a supplement. | You pay in full | Plan pays 80% | Plan pays 80% | You pay in full |
| Prescription drugs | Separate Part D plan | Separate Part D plan | Separate Part D plan | Separate Part D plan |