Medicare Supplement Plans Comparison Chart: Every Medigap Plan Letter Side by Side

Source: Medicare.gov: Compare Medigap plan benefits

This guide puts every Medigap plan letter side by side, using Medicare's standardized benefits chart for 2026. We don't show prices or recommend a plan; we explain what each column means so you can compare the letters with confidence.

New to Medigap? Start with What is Medigap? and come back here.

The 2026 Medicare Supplement plans comparison chart

*Plan N pays 100% of the Part B coinsurance, except a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to an inpatient admission. "No" means the plan doesn't cover the benefit and you pay that cost. Source: Medicare.gov: Compare Medigap plan benefits

A Medigap policy pays its share of coinsurance only after you've paid the deductible, unless the policy also covers that deductible (Medicare.gov). In 2026, the Part A deductible is $1,736 per benefit period and the Part B deductible is $283 a year (CMS).

How to read each row

• Part A coinsurance and hospital costs: every letter pays these, for up to 365 more days after Medicare benefits are used.
• Part B coinsurance: most letters pay all of it. Plan K pays 50%, Plan L pays 75%, and Plan N has the copays in the note under the chart.
• Skilled nursing facility coinsurance: Plans A and B don't pay it. Plans K and L pay part of it.
• Part A deductible: Plan A doesn't pay it, Plans K, L and M pay part of it, and the other letters pay all of it.
• Part B deductible: only Plans C and F pay it. Plans C and F aren't available to people who became eligible for Medicare on or after January 1, 2020. If you were eligible for Medicare before January 1, 2020, you may still be able to buy Plan C or Plan F.
• Part B excess charges: only Plans F and G pay them. A doctor who doesn't accept Medicare assignment can charge more than the Medicare-approved amount. For doctors' services, it can't be more than 15% above the Medicare-approved amount. See Medicare Part B excess charges.
• Foreign travel emergencies: Plans C, D, F, G, M and N pay 80%, up to plan limits.

Plans K and L: cost-sharing letters with a yearly limit

Plans K and L pay part of several costs instead of all of them. After you meet the yearly out-of-pocket limit and the yearly Part B deductible ($283 in 2026), they pay 100% of covered services for the rest of the calendar year. The 2026 limits are $8,000 for Plan K and $4,000 for Plan L (Medicare.gov).

Plans F and G also come as a high-deductible plan in some states. You pay up to $2,950 in 2026 for Medicare-covered costs before the policy pays anything, and CMS set the 2027 deductible at $3,050 (CMS). See high deductible Plan G.

What the chart doesn't show

• Prices: the chart shows benefits, not premiums. Each company sets its own premium for each letter. We don't list prices on this page.
• Drug coverage: Medigap policies sold today don't include prescription drug coverage. You join a separate Medicare drug plan (Part D).
• Care Medigap doesn't cover: long-term care, vision, dental, hearing aids, eyeglasses and private-duty nursing.
• Doctor choice: with most Medigap policies, you can see any doctor or hospital in the U.S. that takes Medicare. Medicare SELECT policies are the exception: they use a network.
• Three states: in Massachusetts, Minnesota and Wisconsin, Medigap policies are standardized in a different way (Choosing a Medigap Policy). Utah isn't one of them.

Compare plan letters side by side

Pick two or more plan letters to see their chart columns next to each other, with the rows that differ marked.

How to use the chart to compare plan letters

Timing matters for every plan letter

You can apply for a Medigap policy at any time, but timing matters. Your Medigap Open Enrollment Period starts the first month you're 65 or older and enrolled in Part B, and it lasts 6 months. During it, a company can't turn you down or charge more because of your health, though it may make you wait up to 6 months to cover a pre-existing condition (Medicare.gov). Outside it, insurers may ask health questions, charge more or turn you down. See Medigap Open Enrollment Period, Medicare enrollment dates and turning 65 in Utah.

For the Utah picture, see Medicare Supplement plans in Utah. For a closer look at one letter, see Medicare Supplement Plan G.

Considering Medicare Advantage instead?

Medigap adds to Original Medicare. Medicare Advantage is a different path, and Medigap can't be used with a Medicare Advantage plan. Learn how it works in What is Medicare Part C?, compare the two coverage styles in Medicare Advantage vs. Medicare Supplement, or use our Original Medicare vs. Medicare Advantage comparison tool. Medicare Advantage changes happen during Open Enrollment and the Medicare Advantage Open Enrollment Period, which are separate from your Medigap window.

How our team helps

We're Boo Insurance Services, a licensed independent Medicare agency in Draper, licensed since 2014. We've helped 1,000+ Utahns with Medicare and have 170+ 5-Star Google Reviews. We meet by phone or video anywhere in Utah, walk through the chart with you and answer your questions in plain language. You won't pay us a fee. Insurance companies pay us when you enroll, and that doesn't change your plan's benefits, coverage or premium. If we talk about Medicare Advantage or drug plans, Medicare rules require a short Scope of Appointment form first. You decide, with no obligation.

Frequently asked questions

What do all Medigap plans cover?

Every Medigap plan letter pays Part A coinsurance and hospital costs for up to 365 more days after Medicare benefits are used. Most letters also pay all of the Part B coinsurance, the first 3 pints of blood and hospice coinsurance; Plans K and L pay part of those costs.

Which Medigap plans cover the Part B deductible?

Only Plans C and F. Plans C and F aren't available to people who became eligible for Medicare on or after January 1, 2020. If you were eligible for Medicare before January 1, 2020, you may still be able to buy Plan C or Plan F.

Which Medigap plans cover Part B excess charges?

Plans F and G. If a doctor doesn't accept Medicare assignment, they can charge more than the Medicare-approved amount. For doctors' services, it can't be more than 15% above the Medicare-approved amount.

What are the Plan K and Plan L out-of-pocket limits?

In 2026, the yearly out-of-pocket limit is $8,000 for Plan K and $4,000 for Plan L. After you reach the limit and the yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.

Are Medigap benefits the same with every company?

Yes. Medigap benefits are standardized by law, so each plan letter has the same benefits with every company that sells it in Utah. Premiums and customer service can differ.

Does any Medigap plan cover prescription drugs?

No. Medigap policies sold today don't include prescription drug coverage. You join a separate Medicare drug plan (Part D).

Is the Medigap chart the same in every state?

No. In Massachusetts, Minnesota and Wisconsin, Medigap policies are standardized in a different way. Utah isn't one of them.

When can I buy a Medigap plan?

You can apply for a Medigap policy at any time, but timing matters. Your 6-month Medigap Open Enrollment Period starts the first month you're 65 or older and enrolled in Part B. During it, a company can't turn you down or charge more because of your health, though it may make you wait up to 6 months to cover a pre-existing condition. Outside it, insurers may ask health questions, charge more or turn you down.

Serving Utah residents. We do not offer every plan available in your area. Currently we represent 9 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Sources

• Medicare.gov, Compare Medigap plan benefits
• Medicare.gov, When can I buy a Medigap policy?
• Medicare.gov, Choosing a Medigap Policy (CMS Product 02110)
• Medicare.gov, Does your provider accept Medicare as full payment?
• CMS, F, G & J Deductible Announcements
• CMS, 2026 Medicare Parts A & B Premiums and Deductibles

Not connected with or endorsed by the United States government or the federal Medicare program. Fores Boo, licensed independent Medicare agent, NPN 17255694, Boo Insurance Services, 61 W 13490 S Ste 201, Draper, UT 84020.

Last updated: October 21, 2026.