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.
A licensed advisor compares every Medigap plan letter, every carrier, in your state in 10 minutes. Same benefits, very different prices. We find the cheapest carrier for your chosen plan letter. Free, no obligation.
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