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Compare Medicare Supplement Insurance Plans

You can fill the gaps in Original Medicare with supplemental Medicare coverage. Here are your options.

Medicare Supplement Insurance (Medigap) covers certain copays, coinsurance or deductibles associated with Medicare Part A and Part B. In most states, there are 10 standardized Medigap plan types with letter names. The plan types differ in terms of what they cover and what they cost.

A few Medigap plan types are by far the most popular. Plans F, G and N cover 85% of all Medicare Supplement Insurance beneficiaries. These three plans offer more coverage than other plan types, which means they’re also among the more costly plan options.

Compare Medicare Supplement plans

The best Medicare Supplement plan type for you might depend on where you live, your health and potential health care needs, your financial situation and your tolerance for risk. This table breaks down the 10 standard Medigap plan types into categories based on common features:

Because Medigap plan types are standardized, each plan type offers the same Medicare benefits everywhere and from every company. So once you’ve chosen a plan type, you can use factors like price and customer service to find the best Medicare Supplement Insurance companies for you.

Which Medicare Supplement plan has the highest coverage?

Your highest-coverage Medigap option depends on your age-based Medicare eligibility date:

  • If you became eligible before 2020, Medigap Plan F has the most coverage.

  • If you became eligible in 2020 or later, you generally can’t buy Plan F, so Plan G is your highest-coverage option.

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MORE:

Medigap Plan F vs. Plan G: Which one is right for you?

What Medicare Supplement plan is most popular?

Medigap Plan F is the most popular plan type, but its lead is shrinking because people who became eligible for Medicare in 2020 or later can’t enroll in Plan F (or Plan C). Plan G, the closest alternative, may soon take the number one spot.

Here are the most popular Medicare Supplement plan types by share of enrollment as of the end of 2022:

  • Plan F:

    39%.

  • Plan G:

    36%.

  • Plan N:

    10%.

There’s a sharp drop-off in popularity after Plan N — no other letter-named plan type has more than a 3% share of Medigap enrollment.

Medicare Supplement Insurance plan comparison chart

Here’s a Medicare Supplement Insurance plan comparison chart to help you see what's covered by each plan type, according to Medicare.gov:

When to enroll in Medicare Supplement Insurance

Ideally, you should buy Medicare Supplement Insurance during your Medigap open enrollment period.