Joseph Insurance BrokerWe Medi Care
Medigap plans are sold by private insurance companies and standardized across the country. Here's a comparison of the most popular Medigap plans available:
| Benefit | Plan G | Plan N | Plan A |
|---|---|---|---|
| Part A coinsurance & hospital costs | ✓ | ✓ | ✓ |
| Part B coinsurance/copayment | ✓ | ✓* | ✓ |
| Blood (first 3 pints) | ✓ | ✓ | ✓ |
| Part A hospice coinsurance | ✓ | ✓ | ✓ |
| Skilled nursing facility coinsurance | ✓ | ✓ | ✗ |
| Part A deductible | ✓ | ✓ | ✗ |
| Part B deductible | ✗ | ✗ | ✗ |
| Foreign travel emergency | 80% | 80% | ✗ |
*Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't result in hospital admission.
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees after 2020. It covers almost everything except the Part B deductible.
Plan N offers similar coverage at a lower premium, with small copays for some office and ER visits.