Medicare Supplement (Medigap) plans 2026.
Medigap plans pay the out-of-pocket costs Original Medicare doesn't — the 20% Part B coinsurance, hospital deductibles, and more. Federally standardized benefits across all carriers. Pick a plan letter, then shop by price.
Side-by-side comparison
| Benefit | Plan G | Plan N | HD Plan G | Plan F (legacy) |
|---|---|---|---|---|
| Part A coinsurance | 100% | 100% | After deductible | 100% |
| Part B coinsurance | 100% | 100% (with copays) | After deductible | 100% |
| Part B deductible ($259) | No | No | No | 100% |
| Part B excess charges | 100% | No | After deductible | 100% |
| SNF coinsurance | 100% | 100% | After deductible | 100% |
| Hospice coinsurance | 100% | 100% | After deductible | 100% |
| Foreign travel emergency | 80% | 80% | 80% | 80% |
| Office visit copay | $0 | $20 | $0 after ded. | $0 |
| ER copay | $0 | $50 (waived if admitted) | $0 after ded. | $0 |
| Typical premium | $130-$220/mo | $100-$170/mo | $30-$70/mo | $200-$350/mo |
| Available to | Everyone | Everyone | Everyone | Pre-2020 only |
Pick the plan that fits
Plan G →
Most popular. Covers everything Medicare doesn't except the $259 Part B deductible. Premium $130-$220/mo.
Plan N →
$30-$60/mo cheaper than G. $20 office / $50 ER copays. Premium $100-$170/mo.
High Deductible G →
$2,870 annual deductible. After that, full Plan G benefits. Premium $30-$70/mo.
Plan F →
For people Medicare-eligible before Jan 2020. Most comprehensive — covers Part B deductible too.
Free Medigap quote — every plan, every carrier in your state.
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