Medigaps are health insurance policies that offer standardized benefits and that work with Original Medicare. They don’t work with Medicare Advantage Plans. Medigaps are sold by private insurance companies. If you have a Medigap, it pays part or all of the costs after Original Medicare pays first. Medigaps may also cover health care costs that Medicare does not cover at all—for example, limited care when traveling abroad.
Choosing a Medigap
Insurance companies may offer up to 10 different Medigap policies to choose from: A, B, C, D, F, G, K, L, M, and N. Each lettered policy is standardized. This means that all policies labeled with the same letter have the same benefits. Companies may sell the same Medigap for different prices, even though they have the same coverage. Note: Massachusetts, Minnesota, and Wisconsin have different Medigap plans.
Listed below are things you should consider when choosing a Medigap plan. Make sure to review the Medigap chart on the next page for more information.
- Plan A offers the most basic coverage. It’s often the least expensive.
- Plans F, C, and G are the most comprehensive Medigaps. They generally cost the most.
- Plans F and C are only available if you were eligible for Medicare before January 1, 2020.
- Medigap plans are guaranteed renewable. That means that as long as you pay the premium, you can keep your plan. However, premiums may change yearly.
- Shop around. Different insurance companies charge different premiums for the exact same coverage.
Note: Plans C and F are only available to you if you became newly eligible for Medicare before January 1, 2020.
*Plans F & G also offer a high-deductible option. You pay a $2,950 deductible in 2026 before Medigap coverage starts. **Plans K and L pay 100% of your Part A and Part B copays after you spend a certain amount out of pocket. The 2026 out-of-pocket maximum is $8,000 for Plan K and $4,000 for Plan L.
This chart doesn’t apply to Massachusetts, Minnesota, and Wisconsin. Those states have their own Medigap system.
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Disclaimer
This content was created and copyrighted by Medicare Rights Center ©2026. Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities. These material are presented here with support from American Senior Resources (ASR) and may not be distributed, modified or edited without Medicare Rights’ consent.