Medigap Coverage Chart: Comparing Plans A Through N
Core Benefits at a Glance
Every Medigap plan covers Part A hospital coinsurance at 100 percent and adds 365 extra lifetime reserve days. Most plans also cover the Part A hospital deductible, skilled nursing facility coinsurance, and Part B copayments.
The table below summarizes the standardized coverage categories across all ten federal Medigap plans.
| Standard Benefit | Plan A / B | Plan C / D | Plan F / G | Plan K / L | Plan M / N |
|---|---|---|---|---|---|
| Part A Hospital Coinsurance (Days 61–150) | 100% | 100% | 100% | 100% | 100% |
| Part A Hospital Deductible ($1,736 in 2026) | A: 0% / B: 100% | 100% | 100% | K: 50% / L: 75% | M: 50% / N: 100% |
| Part B Coinsurance (Standard 20%) | 100% | 100% | 100% | K: 50% / L: 75% | M: 100% / N: Copays Apply |
| Part B Annual Deductible ($283 in 2026) | 0% | C: 100% / D: 0% | F: 100% / G: 0% | 0% | 0% |
| Skilled Nursing Facility Coinsurance | 0% | 100% | 100% | K: 50% / L: 75% | 100% |
| Part B Excess Charges | 0% | 0% | 100% | 0% | 0% |
| Foreign Travel Emergency (80% to $50,000) | 0% | 80% | 80% | 0% | 80% |
Cost-Sharing Plans and High-Deductible Variations
Plan K and Plan L require you to share more costs up front in exchange for significantly lower monthly premiums. These two policies establish an annual out-of-pocket maximum to protect your finances.
For 2026, Plan K caps your annual out-of-pocket spending at $8,000, which increases to $8,360 in 2027 under official guidance from the Centers for Medicare & Medicaid Services (CMS).
Plan L covers 75 percent of covered costs and limits your spending to $4,000 in 2026. This out-of-pocket limit climbs to $4,180 in 2027.
Once you meet your annual limit, Plans K and L pay 100 percent of covered Medicare costs for the remainder of that calendar year.
High-Deductible Plan G and High-Deductible Plan F present another cost-conscious option. You pay Medicare cost-sharing expenses until you satisfy a $2,950 deductible in 2026, which rises to $3,050 in 2027.
Plans C, D, F, G, M, and N cover 80 percent of foreign emergency care during the first 60 days of international travel. This coverage applies after a $250 annual deductible and maintains a $50,000 lifetime benefit cap.
