Compare Medicare Supplement Plans Side by Side

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Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you.

In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Did you know that each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medigap policies:

• Don't have to offer every Medigap plan
• Just offer Medigap Plan A if they offer any Medigap policy
• Must also offer Plan C or Plan F to people who were eligible for Medicare before January 1, 2020, but haven’t yet enrolled.
• People new to Medicare on or after January 1, 2020 have the right to to buy Plan D or G instead of Plan C or F. 
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Keep in mind, that the Medigap policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible).

¹ If  you have Original Medicare, and the amount a doctor or other health  care provider is legally permitted to charge is higher than the  Medicare-approved amount, the difference is called the excess charge. 

* Plans F & G offer a high deductible plan in some states. 

** Plans  K & L show how much they'll pay for approved services before you  meet your out-of-pocket yearly limit and Part B deductible. After you  meet them, the plan will pay 100% of your costs for approved services.

*** Plan  N pays 100% of the costs of Part B services, except for copayments for  some office visits and some emergency room visits.