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There are 12 Standardized Medicare Supplement (Medigap) Plans:

  • Medicare with Melissa

There are 12 different standardized plans in most states. The Federal Government standardized these plans and created 12 options for consumers: A, B, C, D, F, G, K, L, M, N, HD-G, HD-F. Each plan covers a different range of costs. Plan F and Plan G offer high deductible plans too. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

What does this mean to you?  Because the plans are standardized, you need to be sure that you are getting the best priced plan in your area. You can shop multiple insurance carriers for the best rate. Once you determine which plan is best for you, always compare plan pricing. One other consideration is the insurance companies financial rating. There are many companies that have an A or B+ rating. Always ask what the company is rated.


The table shows the Standardized Medicare Supplement (Medigap) Plans Chart

Benefit chart compares Medicare Supplement (Medigap) plans sold on or after January 1, 2020

Note: A ✓ means 100% of benefit is paid with the exception of foreign travel. Foreign travel is covered 80%.

2022 Medigap Plan Comparison Chart


1 Plans F and G have a high deductible option that requires you to pay a plan deductible before the plan begins to pay.  Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year.  The deductible in 2020 is $2340.  

2 Plan N pays 100% of Part B co-insurance, except for a co-payment of up to $20 for some doctor office visits and up to $50 for the emergency room.  

3 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit. 

Learn More: Which Medigap Plan Should I Choose?

Medigap Cost Comparison: Medigap Plan N Cost

People Also Read: What are the differences between Medicare Supplement (Medigap) Plans F, G and N?

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.


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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