The full standardized Medigap benefits grid, Plans A through N, verified against Medicare.gov, with methodology, a downloadable CSV, and current CMS out-of-pocket figures.
A benefits summary only; confirm current details for your state at Medicare.gov before enrolling.
Select a plan to see which Medicare gaps it fills: Part A and B coinsurance, the Part B deductible, excess charges, and foreign travel coverage.
All ten standardized Medigap plan letters (A, B, C, D, F, G, K, L, M and N) cover Medicare Part A coinsurance and hospital costs in full; the differences between letters are in Part B coinsurance, the Part A and Part B deductibles, Part B excess charges, and foreign travel emergency coverage, per Medicare.gov's "Compare Medigap plan benefits" chart (accessed July 2, 2026). Plan C and Plan F are closed to anyone who became eligible for Medicare on or after January 1, 2020, so most new enrollees choose between Plan G, Plan N, and the lower-premium Plans K, L and M. The table below reproduces the federal grid exactly; the interactive tool above lets you compare two plans at a time.
| Plan | Part A coinsurance | Part B coinsurance | Skilled nursing coinsurance | Part A deductible | Part B deductible | Part B excess charges | Foreign travel emergency |
|---|---|---|---|---|---|---|---|
| Plan A | Full | Full | Full | Full | No | No | No |
| Plan B | Full | Full | Full | Full | No | No | No |
| Plan C* | Full | Full | Full | Full | Yes | No | 80% |
| Plan D | Full | Full | Full | Full | No | No | 80% |
| Plan F* | Full | Full | Full | Full | Yes | Yes | 80% |
| Plan G | Full | Full | Full | Full | No | Yes | 80% |
| Plan K | Full | 50% | 50% | 50% | No | No | No |
| Plan L | Full | 75% | 75% | 75% | No | No | No |
| Plan M | Full | Full | Full | 50% | No | No | 80% |
| Plan N | Full | Full** | Full | No | No | No | 80% |
*Plan C and Plan F are not available to anyone who first became eligible for Medicare on or after January 1, 2020. **Plan N covers Part B coinsurance in full except for a copay of up to $20 for some office visits and up to $50 for emergency-room visits that do not result in inpatient admission.
02. 2026 dollar figures, verified against CMSThe Medigap out-of-pocket limit for Plan K is $8,000 in 2026, and for Plan L it is $4,000 in 2026, per CMS's K & L Out-of-Pocket Limits Announcement (October 2025, effective calendar year 2026). The annual deductible for high-deductible Plan F and Plan G is $2,950 in 2026, per CMS's F, G & J Deductible Announcement (October 2025, effective January 1, 2026). The 2026 Medicare Part B deductible, which Plan C and Plan F cover and every other current plan leaves to the beneficiary, is $283, per CMS's 2026 Medicare Parts A & B Premiums and Deductibles fact sheet.
| Figure | 2026 amount | Source |
|---|---|---|
| Plan K out-of-pocket limit | $8,000 | CMS, K & L Out-of-Pocket Limits Announcement, Oct. 2025 |
| Plan L out-of-pocket limit | $4,000 | CMS, K & L Out-of-Pocket Limits Announcement, Oct. 2025 |
| High-deductible F/G annual deductible | $2,950 | CMS, F, G & J Deductible Announcement, Oct. 2025 |
| Medicare Part B annual deductible | $283 | CMS, 2026 Medicare Parts A & B Premiums and Deductibles |
| Medicare Part A inpatient hospital deductible | $1,736 | CMS, 2026 Medicare Parts A & B Premiums and Deductibles |
The benefits grid above reproduces the federal standardized-plan chart published at Medicare.gov's "Compare Medigap plan benefits" page, cross-checked against Medicare.gov's "Choosing a Medigap Policy" guide. It was last checked on July 2, 2026. The dollar figures come directly from two CMS annual announcements: the K & L Out-of-Pocket Limits Announcement and the F, G & J Deductible Announcement, both released in October 2025 and effective for calendar year 2026, plus CMS's 2026 Medicare Parts A & B Premiums and Deductibles fact sheet. Plan letters, not premiums, are standardized: what each letter covers is fixed by federal law and identical at every insurer, but the monthly premium for the same letter varies by insurer, age, location, tobacco use, and the insurer's pricing method (community-rated, issue-age-rated, or attained-age-rated). This page does not estimate premiums; use the Medigap cost calculator for a premium estimate, or the state-by-state reference for typical Plan G pricing by state. This reference is reviewed whenever CMS publishes new annual figures, typically each October and November.
Standardization is what makes Medigap tractable: pick a letter and you know exactly what is covered, regardless of which company sells it. Plan G is the common choice for new enrollees. It covers nearly everything except the annual Part B deductible. Plan N costs less per month, with small copays at some visits. Plan F, now closed to newcomers, covered the deductible as well. High-deductible G offers the lowest premium, suited to healthier people comfortable absorbing a larger out-of-pocket amount in a bad year.
F covers the Part B deductible; G doesn't. F is only available to pre-2020 enrollees.
Lower premiums in exchange for small copays and not covering excess charges.
Same coverage as G but you pay a high annual deductible first for a much lower premium.
Yes, a plan letter covers the same benefits at every insurer.