// 2021 Benefits, Premiums and Costs

Medigap

The chart below shows national average benefits covered by Medigap policies in 2021.
Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

Medigap Benefits

Medigap Plans


A

B

C

D

F
Most Popular

G

K

L

M

N

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B coinsurance or copayment

Yes

Yes


Yes

Yes

Yes

Yes

50%

75%

Yes

Yes***

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care coinsurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A Deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B Deductible

No

No

Yes

No 

Yes

No

No

No

No

No

Part B Excess Charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)***

No

No

80%

80%

80%

80%

No

No

80%

80%

Out-of-pocket limit****

n/a

n/a

n/a

n/a

n/a

n/a

$6,220

$3,110

n/a

na

PREMIUMS*****

$69

$104

$118

$97

$116

$105

$45

$76

$97

$70

*Plan F and G on the above Medicare Supplement chart offers a high-deductible plan. If you have this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,370 before your Medigap plan pays anything.

Note that as of January 1, 2020, Medigap plans sold to new people with Medicare aren’t allowed to cover the Part B deductible. Because of this, Plans C and F are not available to people new to Medicare starting on January 1, 2020.

**After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

***Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000.

****Plan N on the above Medicare Supplement Chart pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

*********The above premiums represent national averages.  Plan premiums can and do vary by state and by carrier.

The above Medicare Supplement chart information was retrieved from Medicare.gov.