This first table compares the more comprehensive Medicare Supplement plans (also called Medigap). Plans A,B,C,D,F,G,M and N are shown side-by-side below. You can click on each plan to view only that plan.

There is a separate table below comparing the least comprehensive plans: High Deductible F, High Deductible G, K and L. These four plans are not as straight forward.

SERVICES

MEDICARE PAYS

PLAN A

PLAN B

PLAN C

PLAN D

PLAN F

PLAN G

PLAN M

PLAN N

Plan A Pays

You Pay

Plan B Pays

You Pay

Plan C Pays

You Pay

Plan D Pays

You Pay

Plan F Pays

You Pay

Plan G Pays

You Pay

Plan M Pays

You Pay

Plan N Pays

You Pay

HOSPITALIZATION Semiprivate room and board, general nursing and misc. services and supplies First 60 days 61st thru 90th day 91st day and after: -- (While using 60 lifetime reserve days) - Once lifetime reserve days are used: -- Additional 365 days -- Beyond add'l 365 days

Part A Pays All but $1,600 All but $400 / day All but $800 / day $0 $0

Plan A $0 $400 $800 100% 0%

You Pay $1,600 $0 $0 $0 100%

Plan B $1,600 $400 $800 100% 0%

You Pay $0 $0 $0 $0 100%

Plan C $1,600 $400 $800 100% 0%

You Pay $0 $0 $0 $0 100%

Plan D $1,600 $400 $800 100% 0%

You Pay $0 $0 $0 $0 100%

Plan F $1,600 $400 $800 100% 0%

You Pay $0 $0 $0 $0 100%

Plan G $1,600 $400 $800 100% 0%

You Pay $0 $0 $0 $0 100%

Plan M $800 $400 $800 100% 0%

You Pay $800 $0 $0 $0 100%

Plan N $1,600 $400 $800 100% 0%

You Pay $0 $0 $0 $0 100%

SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital First 20 days - Copay/Day 21st - 100th day- Copay/Day 101st day and after

Part A Pays All approved amounts All but $200 / day $0

Plan A $0 $0 $0

You Pay $0 $200 100%

Plan B $0 $0 $0

You Pay $0 $200 100%

Plan C $0 $200 $0

You Pay $0 $0 100%

Plan D $0 $200 $0

You Pay $0 $0 100%

Plan F $0 $200 $0

You Pay $0 $0 100%

Plan G $0 $200 $0

You Pay $0 $0 100%

Plan M $0 $200 $0

You Pay $0 $0 100%

Plan N $0 $200 $0

You Pay $0 $0 100%

BLOOD First 3 pints Additional amounts

Part A Pays $0 100%

Plan A 100% $0

You Pay $0 $0

Plan B 100% $0

You Pay $0 $0

Plan C 100% $0

You Pay $0 $0

Plan D 100% $0

You Pay $0 $0

Plan F 100% $0

You Pay $0 $0

Plan G 100% $0

You Pay $0 $0

Plan M 100% $0

You Pay $0 $0

Plan N 100% $0

You Pay $0 $0

HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness.

Part A Pays All except small copayment or coinsurance.

Plan A Remaining balance

You Pay $0

Plan B Remaining balance

You Pay $0

Plan C Remaining balance

You Pay $0

Plan D Remaining balance

You Pay $0

Plan F Remaining balance

You Pay $0

Plan G Remaining balance

You Pay $0

Plan M Remaining balance

You Pay $0

Plan N Remaining balance

You Pay $0

MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $226 of Medicare Approved Amounts

Part B Pays $0

Plan A $0

You Pay $226

Plan B $0

You Pay $226

Plan C $226

You Pay $0

Plan D $0

You Pay $226

Plan F $226

You Pay $0

Plan G $0

You Pay $226

Plan M $0

You Pay $226

Plan N $0

You Pay $226

Remainder of Part B Approved claims after $226 DR Visit ER Visit

Part B Pays 80% 80% 80%

Plan A 20% 20% 20%

You Pay 0% 0% 0%

Plan B 20% 20% 20%

You Pay 0% 0% 0%

Plan C 20% 20% 20%

You Pay 0% 0% 0%

Plan D 20% 20% 20%

You Pay 0% 0% 0%

Plan F 20% 20% 20%

You Pay 0% 0% 0%

Plan G 20% 20% 20%

You Pay 0% 0% 0%

Plan M 20% 20% 20%

You Pay 0% 0% 0%

Plan N 20% All but $20 All but $50

You Pay 0% $20 $50

EXCESS CHARGES

Part B Pays $0

Plan A $0

You Pay 100%

Plan B $0

You Pay 100%

Plan C $0

You Pay 100%

Plan D $0

You Pay 100%

Plan F 100%

You Pay 0%

Plan G 100%

You Pay 0%

Plan M $0

You Pay 100%

Plan N $0

You Pay 100%

BlOOD First 3 pints Next $226 of Medicare approved amounts Remainder of Medicare approved amounts

Part B Pays $0 $0 80%

Plan A 100% $0 20%

You Pay 0% $226 0%

Plan B 100% $0 20%

You Pay 0% $226 0%

Plan C 100% $0 20%

You Pay 0% $226 0%

Plan D 100% $0 20%

You Pay 0% $226 0%

Plan F 100% $226 20%

You Pay 0% $0 0%

Plan G 100% $0 20%

You Pay 0% $226 0%

Plan M 100% $0 20%

You Pay 0% $226 0%

Plan N 100% $0 20%

You Pay 0% $226 0%

CLINICAL LABORATORY SERVICES Tests for Diagnostic Services

Part B Pays 100%

Plan A 0%

You Pay 0%

Plan B 0%

You Pay 0%

Plan C 0%

You Pay 0%

Plan D 0%

You Pay 0%

Plan F 0%

You Pay 0%

Plan G 0%

You Pay 0%

Plan M 0%

You Pay 0%

Plan N 0%

You Pay 0%

HOME HEALTH CARE Medicare approved services Medically necessary skilled care services and medical supplies

Part A&B Pay 100%

Plan A 0%

You Pay 0%

Plan B 0%

You Pay 0%

Plan C 0%

You Pay 0%

Plan D 0%

You Pay 0%

Plan F 0%

You Pay 0%

Plan G 0%

You Pay 0%

Plan M 0%

You Pay 0%

Plan N 0%

You Pay 0%

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This table compares the least comprehensive plans: High Deductible F, High Deductible G, K and L.

High Deductible F and High Deductible G are very similar. Until you've met the Deductible (Ded) of $2,700 in 2023, High F and High G will not pay anything.
The Medicare Part B deductible of $226 is included in High Deductible F but not High Deductible G.

Plan K and Plan L have an Out of Pocket Maximum (OOPM) instead of a deductible. These plans provide coverage before you meet the OOPM.
Once you have met the OOPM of $6,940 in 2023 on Plan K and the OOPM of $3,470 on Plan L, these plans will pay at 100% for the remainder of that year.
The $226 Part B deductible is not included in these Out of Pocket Maximums.

		HIGH F		HIGH G		PLAN K		PLAN L
	DEDUCTIBLE / OOPM	Plan Deductible: $2,700		Plan Deductible: $2,700		Out of Pocket Maximum: $6,940		Out of Pocket Maximum: $3,470
SERVICES	MEDICARE PAYS	High F Pays	You Pay	High G Pays	You Pay	Plan K Pays	You Pay	Plan L Pays	You Pay
HOSPITALIZATION Semiprivate room and board, general nursing and misc. services and supplies First 60 days -Before Plan Ded./OOPM -After Plan Ded./OOPM 61st thru 90th day -Before Plan Ded./OOPM -After Plan Ded./OOPM 91st day and after, while using 60 lifetime reserve days -Before Plan Ded./OOPM -After Plan Ded./OOPM - Once reserve days are used: -Before Plan Ded./OOPM -After Plan Ded./OOPM - Additional 365 days -Before Plan Ded./OOPM -After Plan Ded./OOPM - Beyond additional 365 days -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part A Pays All but $1,600 All but $1,600 All but $400 / day All but $400 / day All but $800 / day All but $800 / day $0 $0 $0 $0 $0 $0	High F Pays $0 $1,600 $0 $400 / day $0 $800 / day $0 100% $0 100% $0 $0	You Pay $1,600 $0 $400 / day $0 / day $800 / day $0 / day 100% $0 100% $0 100% 100%	High G Pays $0 $1,600 $0 $400 / day $0 $800 / day $0 100% $0 100% $0 $0	You Pay $1,600 $0 $400 / day $0 / day $800 / day $0 / day 100% $0 100% $0 100% 100%	Plan K Pays $800 $1,600 $400 / day $400 / day $800 / day $800 / day 100% 100% 100% 100% $0 $0	You Pay $800 $0 $0 $0 $0 $0 $0 $0 $0 $0 100% 100%	Plan L Pays $1,200 $0 $400 / day $400 / day $800 / day $800 / day 100% 100% 100% 100% $0 $0	You Pay $400 $0 $0 $0 $0 $0 $0 $0 $0 $0 100% 100%
SKILLED NURSING FACILITY CARE You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital First 20 days - Copay/Day -Before Plan Ded./OOPM -After Plan Ded./OOPM 21st - 100th day- Copay/Day -Before Plan Ded./OOPM -After Plan Ded./OOPM 101st day and after	Part A Pays All approved amounts All approved amounts All but $200 / day All but $200 / day $0	High F Pays $0 $0 $0 $200 / day $0	You Pay $0 $0 $200 / day $0 100%	High G Pays $0 $0 $0 $200 / day $0	You Pay $0 $0 $200 / day $0 100%	Plan K Pays $0 $0 $100 / day $200 / day $0	You Pay $0 $0 $100 / day $0 100%	Plan L Pays $0 $0 $150 / day $200 / day $0	You Pay $0 $0 $50 / day $0 100%
BLOOD First 3 pints -Before Plan Ded./OOPM -After Plan Ded./OOPM Additional amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part A Pays $0 $0 100% 100%	High F Pays $0 100% $0 $0	You Pay 100% $0 $0 $0	High G Pays $0 100% $0 $0	You Pay 100% $0 $0 $0	Plan K Pays 50% 100% $0 $0	You Pay 50% $0 $0 $0	Plan L Pays 75% 100% $0 $0	You Pay 25% $0 $0 $0
HOSPICE CARE You must meet Medicare's requirements, including a doctor's certification of terminal illness. -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part A Pays All except small copayment or coinsurance.	High F Pays $0 100%	You Pay $0 100%	High G Pays $0 100%	You Pay $0 100%	Plan K Pays 50% 100%	You Pay 50% $0	Plan L Pays 75% 100%	You Pay 25% $0
MEDICAL EXPENSES - IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as Physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment. First $226 of Medicare Approved Amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays $0 $0	High F Pays $0 $226	You Pay $226 $0	High G Pays $0 $0	You Pay $226 $226	Plan K $0 $0	You Pay $226 $226	Plan L $0 $0	You Pay $226 $226
Remainder of Part B Approved claims after $226 -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays 80% 80%	High F Pays 0% 20%	You Pay 20% 0%	High G Pays 0% 20%	You Pay 20% 0%	Plan K 10% 20%	You Pay 10% 0%	Plan L 15% 20%	You Pay 5% 0%
EXCESS CHARGES -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays $0 $0	High F $0 100%	You Pay 100% $0	High G $0 100%	You Pay 100% $0	Plan K $0 $0	You Pay 100% 100%	Plan L $0 $0	You Pay 100% 100%
BlOOD First 3 pints -Before Plan Ded./OOPM -After Plan Ded./OOPM Next $226 of Medicare approved amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM Remainder of Medicare approved amounts -Before Plan Ded./OOPM -After Plan Ded./OOPM	Part B Pays $0 $0 $0 $0 80% 80%	High F Pays $0 100% $0 $226 0% 20%	You Pay 100% $0 $226 $0 20% 0%	High G Pays $0 100% $0 $0 0% 20%	You Pay 100% $0 $226 $226 20% 0%	Plan K 50% 100% $0 $0 10% 20%	You Pay 50% $0 $226 $226 10% $0	Plan L 75% 100% $0 $0 15% 20%	You Pay 25% $0 $226 $226 5% $0
CLINICAL LABORATORY SERVICES Tests for Diagnostic Services	Part B Pays 100%	High F 0%	You Pay 0%	High G 0%	You Pay 0%	Plan K 0%	You Pay 0%	Plan L 0%	You Pay 0%
HOME HEALTH CARE Medicare approved services Medically necessary skilled care services and medical supplies	Part A&B Pay 100%	High F 0%	You Pay 0%	High G 0%	You Pay 0%	Plan K 0%	You Pay 0%	Plan L 0%	You Pay 0%