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Medicare Medigap Plans Comparison Chart

Medicare Supplement Insurance Plan Comparison Chart
04/06/2022
  • Medicare with Melissa

Comparing Medigap Insurance Plans

Comparing Medicare Medigap Insurance Plans is easy with our 2022 Medigap Plans Comparison Chart.

The Medigap Plan Comparison Chart will give you an opportunity to see Medigap Plan benefits side-by-side to easily determine which plan may be suitable for you.

There are 12 different types of Medigap Plans to choose from. The three most popular Medicare Supplement Plans are; Plan F, Plan G and Plan N.

Our Medigap Plan Comparison Chart is updated each year to keep up with the standards set forth by CMS (Centers for Medicare and Medicaid Services).

2022 Medigap Plans Comparison Chart (Medicare Supplement Plan Comparison)

2022 Medigap Plan Comparison Chart
Download the 2022 Medicare Supplement Plan Chart

What are Medigap Plans?

Medigap Plans (also known as a Medicare Supplement Plan), is a private health insurance plan that is designed to help cover some or all the cost that Original Medicare Part A and Part B do not cover.

Remember, Medicare only pays for 80% of your medical cost. Medigap Plans include coverage for:

  • Part A deductible, coinsurance, and copays (Hospital, including inpatient and emergency room visits)
  • Medicare Part B annual deductible, coinsurance, and copays (Physician)
  • Medicare Part B excess charges
  • Skilled Nursing Facility Care coinsurance
  • Foreign Travel emergency (limited coverage)

Medigap Plans have no network. You can see any doctor, medical facility, or hospital nationwide that accepts Medicare. With a Medigap Plan, it does not matter what insurance carrier you have, if the facility takes Medicare, by law, they have to take your Medicare Supplement (Medigap) Plan.

Medigap Plans are not Medicare Advantage Plans and do not include coverage for prescription drugs, dental, vision or hearing. These plans are purchased separately.

Do not confuse Original Medicare Part A and Part B with Medigap Plans A or B. Remember, Original Medicare has Part A and Part B. You get plans to cover what Medicare does not cover (Medigap Plans or Medicare Advantage Plans).

Medicare Supplement Plans Comparison

Let’s look at the benefits and cost of some Medigap Plans.

Compare Medicare Supplement Plan F

Medigap Plan F is the most comprehensive Medigap Plan you can choose. It provides the most coverage of all available Medigap Insurance Plans. Plan F also has the highest monthly premium because it provides the most coverage.

Compare Medicare Supplement Plan G

Medigap Plan G is nearly identical in coverage to Plan F. The only difference between Medigap Plans G and F is that Plan G requires you to pay the Medicare Part B deductible.

With that said, Plan G provides great coverage at a lower premium than Plan F. In our experience and in most cases, it makes financial sense to switch from Plan F to Plan G due to the lower premium, in most states (even after you pay the deductible).

Compare Medicare Supplement Plan N

Medigap Plan N provides great bang for your buck! If you are someone that doesn’t go to the doctor often, and you want the luxury of a Medigap Plan, then Plan N should be on your checklist.

Regarding coverage, Plan F is the top, then Plan G and then Plan N.

Medigap Plan N should not be overlooked. You are covered 100% in the hospital as an inpatient and only have a ER copay of $50.

You will pay your Part B deductible and then up to a $20 copay. Plan N does not cover Medicare Part B excess charges, but not all states have excess charges.

Your monthly premium with Plan N can be up to 40% less than Plan F and up to 30% less than Plan G.

Call our team today to have a licensed insurance agent compare Medigap Premiums. We represent over 25 top-rated insurance companies. Call us at 866-633-4427.

Medigap Plans Explained

The cost of Medigap Supplemental Plans will vary based on several factors, such as, age, gender, zip code, tobacco use and more. Some states, like Minnesota, Wisconsin and Massachusetts offer a different type of Medigap Plans. Benefits are comparable to Plans F, G and N- but don’t carry the same name.

Compare Medigap Plans in Minnesota

Minnesota offers two types of Medigap Insurance Plans:

  1. Basic (Medicare Basic Benefits, Part A and Part B coinsurance)
  2. Extended Basic (Basic + Riders). You can select certain coverage riders to add to your basic coverage (Comparable from Plans A, N, G and F)

Compare Medigap Plans in Wisconsin

Wisconsin is similar to Minnesota, as it provides two Medigap Insurance Plan Options:

  1. Basic (Basic Medicare Benefits), including Mental Health and Home Health Care
  2. Basic + Riders. You can select riders to your basic coverage to compare and make it like a Plan N, Plan G or Plan F.

Compare Medigap Plans in Massachusetts

There are several Massachusetts Medigap Plans to choose from:

  1. CORE Plan (Medicare Basic Benefits).
  2. Supplement 1 Plan (CORE + Riders). Comparable to Plan F.
  3. Supplement 1A Plan (CORE + Riders). Comparable to Plan G.

What is the best Medigap Plan?

Medigap Plan F is the best Medigap plan, as it provides the most coverage. In our experience (and across the entire Medicare industry), beneficiaries seem to be shifting their attention to Medigap Plan G and Medigap Plan N (they both provide great coverage, no network, and lower monthly premiums).

Medigap Plans Frequently Asked Questions

What are the different Medigap Plans?

There are 12 different Medigap Plans. Medigap Plans F and G offer high deductible options with lower premiums.

Medigap Plan A, Medigap Plan B, Medigap Plan C, Medigap Plan D, Medigap Plan F, Medigap Plan G, Medigap Plan N, Medigap Plan M, Medigap Plan K, Medigap Plan L, Medigap Plan HDF and Medigap Plan HDG.

What is the difference between Medigap Plans?

The difference between Medigap Plans is cost and coverage. Supplemental Plans are standardized by the federal government.

Plan A offers less coverage than Plan F. But, Plan F has a higher monthly premium then Plan A.

If you compare a Plan F with three companies, the only difference between those three companies is price (coverage for Plan F is the same with all carriers).

Which Medigap Plan offers the most coverage?

Medigap Plan F offers the most coverage of all the Medigap Insurance Plans.

What is the difference between Plan G and Select Plan G?

Select Plan G has a network of preferred hospitals to use. The advantage of Select Plan G vs Plan G is the lower premium.

In our experience, it does not make financial sense to switch from Plan G to Select Plan G.

Which Medigap Plan is the least expensive?

Medigap Plans HDF, HDG and A have the least expensive monthly premiums.

What is the difference between Medigap Plan F and Plan G?

The difference between Medigap Plan F and Plan G is that Medigap Plan G requires you to pay the Medicare Part B annual deductible. Whereas Plan F covers that deductible 100%.

Do all Medicare Supplement Plans pay the same?

We need to be sure we answer this question in two ways.

No, not all Medicare Supplement Plans pay the same. Every Medicare Supplement Plan covers different benefits and therefore will not pay the same.

Yes, Medicare Supplement Plan F is the same from one carrier to another. So, regardless of the carrier you have for whichever Medigap Plan you have, the benefits pay the same.

If you want to compare Plan F, they all have the same benefit. At this point, price and customer service are the most important.

What is the highest rated Medicare Supplement company?

There are several Medicare Supplement companies with high financial and customer service ratings. Our portfolio consists of over 25+ top-rated Medicare insurance carriers so that we always have a suitable option for you.

Compare Medigap Plans for 2022 (Medigap Rates) Now!

If you are ready to compare Medigap Plans (Medigap Rates), there are a few easy ways to accomplish your goal.

  1. Use our Medigap Premium Calculator and Compare Medigap Rates online right now without an agent.
  2. Call 866-MEDIGAP (866-633-4427) and speak to one of friendly, licensed agents that will ask some short questions and do the compare Medigap Rates for you in minutes.
  3. Schedule your appointment with one of licensed agents at a time convenient for you.

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.

-Melissa

Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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