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Medicare Supplement


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Medigap Plans A and B

Covers only Medicare Part A and Part B coinsurance. Does not cover Part A and Part B yearly deductibles, excess charges and skilled nursing facility and first 3 pints of blood.

Medigap Plans C, D, F, G and N

These plans cover coinsurnace for Part A, Part B, hospice care and skilled nursing facility. Plans D and N cover everything except for Part B deductible and Part B excess charges. 

Medigap Plans C, F and G

These plans provide the most coverage. Plan F covers what Medicare covers, Plan C covers all Parts A and B except for excess charges. Plan G covers all Parts A and B except for Part B deductible. Plans C and F are available for beneficiaries who are Medicare eligible before Jan 1, 2020. 

Medigap High-Deductible Plans F, G, K and L

These plans have the lowest monthly premium and coverage begins after yearly deductible is met. For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($240 in 2024), the Medigap plan pays 100% of covered services for the rest of the calendar year. 

Plans K and L Compared to Plans G and N

Just because all Medigap plans must follow strict state and federal laws doesn’t make understanding them any easier. While stringent requirements may make comparing plans confusing, there is really no need to worry. We have you covered with our Medigap plan breakdowns. Today we compare plans K and L to plans G and N.


The Similarities

Like all Medigap policies, all four plans will cover your Part A coinsurance and hospital costs for up to 365 days after your Medicare benefits are exhausted. Another similarity between each plan is the absence of coverage for your Part B deductible. This means that, regardless of which plan you choose, you will be responsible for the annual $240 deductible in 2024.


The Differences

The list of similarities among the four plans is short. Fortunately, plans G and N are nearly identical. One exception is that plan G will pay for the Part B excess charge while plan N does not. Part B excess charges are those legally allowed to be charged by physicians above the Medicare-approved amount. Plan N also requires a $20 copay for each physician visit and a $50 copay for each emergency room visit, unless you are admitted as a patient.


From here, we can explain how each of the four plans approaches the remaining Medicare benefits. The following benefits are covered at 100% by plans G and N, at 50% under plan K, and at 75% under plan L:


  • Part B coinsurance or copayment (except $20 copay for physician visit and $50 copay for
    emergency room visit for Plan N)
  • First 3 pints of blood
  • Part A hospice coinsurance or copayment
  • Skilled nursing care facility coinsurance
  • Part A deductible

While foreign travel isn’t covered by plans K or L, plans G and N will cover up to 80% of the plan’s limits after a $250 deductible. The out-of-pocket limits for 2024 are $7,060 and $3,530 for plans K and L, respectively.


Choosing the right Medigap plan will depend on your specific health needs. Trained and licensed professionals can help review your potential medical expenses and select a plan that maximizes your every premium dollar. Contact my office today for a complimentary Medigap review and to learn more about your options.

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