This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 1, 2026. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Medigap Plan Types (A, B, D, F, G, K, L, M, N)
The standardized supplemental Medicare plans that help cover Original Medicare cost-sharing gaps.
Full Definition
Medigap (Medicare Supplement) plans are sold by private insurers to fill gaps in Original Medicare (Parts A and B). Plans are standardized by letter — the same lettered plan covers the same benefits regardless of insurer. Key plans: Plan G covers everything Plan F covers except the Part B deductible (most popular for new enrollees since 2020); Plan N covers most gaps with small copays for office visits and ER; Plan K and L have lower premiums with higher out-of-pocket limits; Plan F (no longer available to new Medicare enrollees after Jan 1, 2020) covered everything. Plan pricing varies by insurer, age, and location — same coverage, different price. Open enrollment (best guaranteed issue rights) is the 6-month window after you turn 65 and enroll in Part B.
Real-World Example
You turn 65 and enroll in Medicare. You choose Plan G for $120/month. You have a hospital stay that costs $8,000 after Medicare Part A covers its share. Plan G covers your remaining cost-sharing, leaving you with only the Part B deductible ($240 in 2026) to pay out-of-pocket for the year.
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