If you’ve just started researching Medicare Supplement plans, you may have noticed that each plan is labeled with a different letter. Here’s a quick overview of what those letters mean, the differences between the Medicare Supplement plan types, and how to find a plan that may work for your needs.

What are the different Medicare Supplement plans?

Medicare Supplement (Medigap) plans help cover certain out-of-pocket costs that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles. There are up to 10 plans available in most states, and the letter of the plan (for example, “Medicare Supplement Plan G”) helps you identify which benefits go with it.

Benefits are standardized across each plan letter. So, this means that if you’re interested in Medicare Supplement Plan B, for example, the minimum coverage will be the same across every Medigap Plan B offered in your service area, no matter which insurance company you buy from. This means that once you’ve narrowed down which Medicare Supplement plan has the benefits you want, you can focus on comparing factors that may vary, such as premium cost, since minimum coverage will be the same across each letter type.

Most states offer the following 10 Medicare Supplement plan types:

  • Plan A
  • Plan B
  • Plan C*
  • Plan D
  • Plan F* (also comes with a high-deductible version)
  • Plan G
  • Plan K
  • Plan L
  • Plan M
  • Plan N

*If you’re not eligible for Medicare before January 1, 2020, you won’t be able to buy Medicare Supplement Plans C or F. These plans are gradually being phased out, but if you already have one of these plans, you can keep it. You might be able to buy a Medicare Supplement high-deductible Plan G starting in 2020. Plan G benefits are the same as Plan F’s, except Plan G doesn’t cover the Medicare Part B annual deductible.

A few other things to note:

  • Massachusetts, Minnesota, and Wisconsin standardize their Medicare Supplement plans differently.
  • Insurance companies don’t have to sell every Medicare Supplement plan.
  • Any insurance company that sells Medicare Supplement coverage must offer Medigap Plan A.

If you’d like to compare Medicare Supplement plans side by side, this benefits chart makes it easy to do so.

How can I find a Medicare Supplement plan?

Every person’s situation is different. You might find it useful to speak with a licensed insurance agent who can go over the differences between the different types of Medicare Supplement plans and help you find a plan that may work for your needs, preferences, and budget.

Remember, because Medicare Supplement plan benefits are standardized across plans of the same letter name, the main difference between plans of the same type will be price. So, it’s in your best interest to take the time to research plan options and compare the different choices in your specific zip code.

Would you like to get started finding Medicare Supplement plan options? You can do so in a few ways. Click the links below to receive an email with more information, or to schedule a phone appointment to discuss your questions. Prefer to start browsing at your own convenience? It’s easy to do that by clicking the Compare Plans button on this page.