Medigap coverage and costs

The federal government sets rules on the benefits available for each Medigap plan, but insurers determine their own premiums. Shop around for the best deal when you are first eligible to buy a plan.

A dot • below means a plan covers 100 percent of your out-of-pocket costs; a dash means you pay the costs. Average premiums are higher for men than women because Medigap insurers tend to pay more for their claims.

* Plans C and F aren't available to people newly eligible for Medicare after 2019.

† Plans F and G also offer a high-deductible version in some states. You must pay Medicare-covered costs — coinsurance, copays and deductibles — up to the deductible amount, $2,800 in 2024, before your plan starts paying.

‡ Plans K and L pay 100% after you reach your annual out-of-pocket limit and your Part B deductible. In 2024, the out-of-pocket limit is $7,060 for Plan K and $3,530 for Plan L.

§ Plan N pays 100% of your Part B coinsurance, except for up to a $20 copay for doctor visits and up to a $50 copay for emergency room visits that don't result in an inpatient admission.

Note: Massachusetts, Minnesota and Wisconsin have different standardized Medigap policies than the rest of the country.

Average annual 2023 Medigap premiums for standard plans for people age 65 from Weiss Ratings.
Source: Medicare.gov