Medigap plans A-G, M and N are required to offer the following basic benefits:
- Coinsurance for hospital days 61-90 ($400/day in 2023) and 60 lifetime reserve days ($800/day in 2023)
- 100% of hospital care beyond the 150 days covered by Medicare, up to a maximum of 365 lifetime days
- Hospice cost share
- 20% coinsurance for the Medicare-approved amount after you meet the $226 annual Part B deductible
- The first 3 pints of blood in each calendar year
Medigap plans K and L also offer these basic benefits, but only cover 50% (K) or 75% (L) of the Part B coinsurance, hospice cost share and the first 3 pints of blood each year.
Plan A offers only the basic benefits listed above. Plans B-N (B, C, D, F, G, K, L, M and N) offer additional benefits. See Standardized Medigap Plans A-N for a list of benefits.
Note: If you have questions about the Medigap plan change that took place in 2010, see our article FAQs on the New Standardized Medigap Policies Available June 2010.
Also note that if your 65th birthday occurred in 2020 or later, or you first became eligible for Medicare in 2020, you will not be able to buy Medigap plans C or F. Congress prohibits the sale of those policies to people who will be newly eligible for Medicare. Instead, you can buy Medigap plans D or G, or the new high deductible Medigap plan G. If you purchased either plan C or F before 2020, you can keep it, and anyone who was eligible for Medicare prior to 2020 can still buy either of these plans.