Medigap Policies are Standardized
Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance”. Insurance companies can sell you only a standardized policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one best meets your needs
| Medigap Benefits | Plan A | Plan B | Plan C | Plan D | Plan E | Plan F* | Plan G | Plan K | Plan L | Plan M | Plan N |
| Part A Coinsurance and hospital cost up to an additional365 days after Medicare benefits are used up |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Part B Coinsurance or copayment |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes*** |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A hospice care, coinsurance or copayment |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled nursing facility care coinsurance | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Part B Deductible | No | No | No | No | No | Yes | No | No | No | No | No |
| Part B Excess Charges | No | No | No | No | No | Yes | Yes | No | No | No | No |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $4,940 | $2,470 | N/A | N/A |
*Plan F offers a high deductible plan of $2,180 in 2015
**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.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in inpatient admission.