Medigap Comparison Chart: Benefits and 2026 Cost Limits

A Medigap comparison chart shows which Original Medicare costs each standardized plan helps pay. Compare the benefits first, then request prices for the same plan letter from insurers in your state. This chart describes standardized benefits, not a quote or a guarantee that a particular insurer sells every plan.

How to read the chart

“100%” means the policy covers the full benefit listed, subject to its terms. A percentage means it pays that share of the benefit; “No” means the standardized plan does not cover that item. Medicare eligibility and coverage requirements still apply. Massachusetts, Minnesota and Wisconsin standardize Medigap differently, so use their state-specific information instead of assuming this letter chart applies.

Important notes that affect your comparison

• Plan N: pays the Part B coinsurance except for copayments of up to $20 for some office visits and up to $50 for an emergency-room visit that does not result in inpatient admission. It does not cover the Part B deductible or excess charges.
• Plans C and F: cannot be purchased by people newly eligible for Medicare on or after January 1, 2020. People eligible earlier may still be able to buy them.
• High-deductible F and G: available in some states. In 2026 the deductible is $2,950 in Medicare-covered costs before the policy begins paying its benefits. Compare this version separately from standard F or G.
• Plans K and L: their 2026 out-of-pocket limits are $8,000 and $4,000, respectively. After you meet the applicable limit and the yearly Part B deductible, the plan pays 100% of covered services for the remainder of the calendar year.

Foreign travel coverage has limits

The listed foreign-travel benefit is for qualifying emergencies, not all health care abroad. It generally covers 80% after a $250 calendar-year deductible when the emergency begins during the first 60 days of the trip and Medicare does not otherwise cover the care. The lifetime maximum is $50,000. Ask the insurer how to submit a claim and consider other travel coverage needs separately.

What the chart does not include

Standard Medigap benefits generally exclude routine dental or vision care, hearing aids, glasses, private-duty nursing and long-term custodial care. Policies sold after 2005 do not include Part D coverage. You also pay the Medigap premium; the chart’s percentages are not premium discounts.

Medigap supplements Original Medicare and does not pay Medicare Advantage premiums, copayments or deductibles. It usually requires both Part A and Part B. Before applying, confirm whether your federal Medigap Open Enrollment Period, a guaranteed issue right or state protection applies. A plan comparison alone does not establish that an insurer must accept your application.

Build a short list you can use

1. Eliminate plans you are not eligible to buy.
2. Identify the deductibles, copayments and excess charges you would still pay.
3. Request current premiums for the same letter and version.
4. Ask about rating methods, discount conditions and future premium changes.
5. Confirm acceptance and the effective date before canceling any existing policy.

Related coverage questions

• What Is Medigap? Benefits, Costs and Enrollment
• How to Compare Medigap Policies
• Your Medigap Open Enrollment Period

Official sources

• Choosing a Medigap Policy — official 2026 plan comparison chart
• Compare Medigap Plan Benefits
• Learn what Medigap Covers
• Learn How Medigap Works
• When can I buy a Medigap policy? Your answer