Medicare Medigap Plan Comparison Calculator
Compare standardized Medigap plans A, B, C, D, F, G, K, L, N.
Premium Factors
Age Factor:1.00
Tobacco:1.00
Health:1.00
Premiums vary by age, tobacco use, health, state, and issuer. Estimates only.
Top Recommendations
Most Popular:Plan G ($ 150/mo)
Best Value:Plan G ($ 150/mo)
Lowest Cost:Plan K ($ 80/mo)
Plan G is most popular for new enrollees. Plan N offers lower cost with copays.
Plan Comparison
| Plan | Premium | Annual | Key Coverage |
|---|---|---|---|
| Plan A | $ 100/mo | $ 1200 | Part A coinsurance, Part B coinsurance |
| Plan B | $ 120/mo | $ 1440 | Part A coinsurance, Part B coinsurance |
| Plan C | $ 140/mo | $ 1680 | Part A coinsurance, Part B coinsurance |
| Plan D | $ 135/mo | $ 1620 | Part A coinsurance, Part B coinsurance |
| Plan F | $ 200/mo | $ 2400 | Everything (full coverage) (Not available to new enrollees after 2020) |
| Plan G | $ 150/mo | $ 1800 | Part A coinsurance, Part B coinsurance (Most popular for new enrollees) |
| Plan K | $ 80/mo | $ 960 | 50% of Part A deductible, 50% of Part B coinsurance |
| Plan L | $ 90/mo | $ 1080 | 75% of covered services |
| Plan N | $ 120/mo | $ 1440 | Part A coinsurance, Part B coinsurance (except copays) (Lower cost alternative to G) |
Premiums are estimates. Actual rates vary by state and insurer.
Plan G Details (Most Popular)
Covers:
✓ Part A coinsurance
✓ Part B coinsurance
✓ Blood
✓ Part A hospice
✓ Part A deductible
✓ Skilled nursing
✓ Foreign travel
✓ Part B excess charges
Gaps:
✗ Part B deductible ($240 in 2024)
Plan G covers almost everything except Part B deductible. Best for new enrollees.
Plan N Details (Lower Cost)
Covers:
✓ Part A coinsurance
✓ Part B coinsurance (except copays)
✓ Blood
✓ Part A hospice
Gaps:
✗ Part B deductible ($240)
✗ Office visit copay ($20)
✗ ER copay ($50)
Plan N has small copays but lower premium. Good for healthy individuals.
Medigap Key Points
- Plans standardized by federal law
- Same coverage regardless of insurer
- Plan G: most popular for new enrollees
- Plan F: not available after 2020
- Open Enrollment: 6 months after Part B
- Guaranteed issue during open enrollment
- Can change plans anytime (may require underwriting)
- Premiums vary by age, location, tobacco
- Does not include Part D drug coverage
- Compare prices from multiple insurers