Choosing a Medigap Plan

Medigap plans were designed to help you fill the gaps in coverage left by Medicare Part A and Part B. There are ten plans in all, each one covering at least four and as many as all nine of the gaps. Each plan is designated with a letter. They do not go in order as far as least coverage to greatest coverage so pay careful attention.

We put this page together to give you a brief summary of the different Medigap plans with a link to a more detailed description of each of the plans. If you have any questions feel free to go to the contact page using the link at the top of this page.

Medigap Plans


Plan A – The most basic of the plans in that it only covers the Medicare Part A and Part B coinsurance and the cost of the first three pints of blood. Get more information about Medigap Plan A HERE.

Plan B – Build upon Plan A by adding coverage of the Medicare Part A deductible of $1,156. Learn more about Medigap Plan B when you Click Here.

Plan D – This is the next step up from Plan B in that it adds coverage for the Skilled Nursing care coinsurance and foreign trave. Learn more about Medigap Plan D HERE

Plan M – Works just like Plan D except that it only covers 50% of the Medicare Part A deductible. Get more info on Medigap Plan M HERE.

Plan N – Works just like Plan D except that it has some copays mixed in for emergency room and doctor's office visits. Find out more about Medigap Plan N HERE.

Plan C – Another step up from Plan D in that it also covers the Medicare Part B deductible. Get more information about Medigap Plan C HERE.

Plan G – Gives you the next best coverage over Plan C because it will cover any excess charges over the Medicare approved charges in Medicare Part B. Get the breakdown of Medigap Plan G HERE.

Plan F – The most comprehensive of all the Medigap plans, filling all the gaps left by Medicare Part A and Part B. Learn more about Medigap plan F HERE.

Plan K and Plan L – These two plans are unique in that they cover most of the gaps but have a coinsurance of 50% of 75% until you meet an annual out of pocket limit.

Learn more about Medigap Plan K HERE and Medigap Plan L HERE.

With any of the Medigap plans the coverage will be the same no matter which insurance company you use. So if you go with Blue Cross Blue shield Plan F or Humana Plan F the coverage will be identical. The only difference would be the price and the reputation of the company. If you are interested in learning about the different Medigap Insurance Companies click Here.

The final thing you need to know is that any of the Medigap plans will work with Medicare Part D, which is used to help with the cost of prescription drugs. And if you have any questions about Medigap plans or Medicare part D please feel free to contact us.