Medigap Comparison Chart – 2024

A Medicare Supplement Insurance policy (also called a Medigap policy) is health insurance sold by insurance companies to fill gaps in your Original Medicare coverage.

Medigap policies are used to help assist you in paying for your co-payments, or deductibles of Medicare covered services.

Call today at (954) 970-4760

40556–**Medicare Supplement Insurance companies can only sell you a “standardized” Medigap policy identified by letters A, B, C, D, F, High-Deductible F, G, High-Deductible G, K, L, M and N.

Since a Medicare Supplement Insurance company can only sell you a “standardized” Medigap policy each policy must offer the same basic benefits, no matter which insurance company provides the insurance.

The Medicare Open Enrollment Period is the six month period beginning on the first day of the month in which you are enrolled in Medicare Part B. If you are on Medicare under age 65, you will also have a six month Open Enrollment Period when you reach age 65. This is the best time to purchase a Medicare supplement because an insurance company cannot turn you down and or charge more due to a health problem. Insurance companies can apply up to a six-month waiting period for pre-existing conditions to your Medigap policy, but that can be eliminated or shorten if you have had prior credible coverage. A pre-existing condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within six months before the effective date of coverage.


As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Part B deductible. Because of this, Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you can keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans (Plan C or F).

How to read the Medigap chart below: If a check mark appears in the column, this means that the Medigap policy covers that benefit up to 100%. If a column lists a percentage, this means the Medigap policy covers that benefit at that percentage rate. If no percentage appears or if the column is blank, this means the Medigap policy doesn’t cover that benefit. Note:The coverage of coinsurance only begins after the deductible has been satisfied.

Medigap Benefit
L **
M N***
Medicare Part A Coinsurance andedigap Coverage for Hospital Benefits
Medicare Part B Coinsurance or Copayment


Blood (First Three Pints)

Part A Hospice Care Coinsurance or Copayment

Skilled Nursing Facility Coinsurance

Medicare Part A Deductible


Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency (Up to Plan Limits)
Medicare Preventative Care Part B Coinsurance

Out-of-pocket limit:

$7,060** $3,530**

*Plans F and G also have a high-deductible option which requires first paying a plan deductible ($2,800 in 2024) before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the remainder of the calendar year. High deductible Plan G does not cover the Medicare Part B deductible. However, High Deductible Plans F & G count your payment of the Medicare Part B deductible toward meeting the plan deductible.

**Plans K and L pay 100% of covered services for the rest of the calendar year once once you meet the out-of-pocket yearly limit ($7,060 for Plan K, $3,530 for Plan L in 2024). The out-of-pocket annual limit does NOT include the charges from your provider that exeed Medicar-approved amounts, called “excess charges”. You will be responsible for paying excess charges. The out-of-pocket annual limit may increase each year with inflation.

*** Plan N pays 100% of Medical Expenses (Part B Coinsurance) except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visists that do not result in an inpatient admission. The emergency room copayment is waived if the insured is admitted to annnny hospital, and the emergency room visit is covered as a Medicare Part A expense.

Some state require that designated Medicare Supplement plans also be available to people under the age of 65 and eligible for Medicare sue to disability (different applcation forms may be required). Policy benefits are idnetical for people over or under age 65. Premiums are based on Preferred or Standard, age, sex, state/area.

Basic Benefits
• Coinsurance for days 61-90 ($389 per day) and days 91-150 ($778 per day) in hospital
• Payment in full for 365 additional hospital days
• Pays generally 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible
• The 2024 deductible is $1,632
Skilled Nursing Facility (SNF) Coinsurance
• $194.50 a day for days 21-100 in a Skilled Nursing Facility in 2022
Medicare Part B Yearly Deductible
• The 2024 deductible is $240

Medicare Part B Excess Charges
• Difference between doctor’s charge and Medicare’s approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000

Saving You Money On Supplemental Health Care Is Our Mission

Call for a free quote now!


2000 Banks Road, #209
Margate, FL 33063

Pin It on Pinterest

Share This