Medicare Supplement insurance plans, also called Medigap plans, provide help with some of the out-of-pocket expenses not paid for by Original Medicare.
When you go to the doctor under Original Medicare, you still have expenses to pay. Medicare Supplement insurance plans work with your Medicare Part A (hospital stays) and Medicare Part B (doctor visits) to help lower the out-of-pocket medical costs that Original Medicare doesn’t cover.
The Medicare Supplement plans that are available to you depend on the state in which you live. And which Medicare Supplement plan you choose depends on your individual needs. Use the information below to help as you consider which Medicare Supplement plan is best for you.
Shop plans in your area
See AARP Medicare Supplement Insurance plans where you live – and compare costs and benefits side-by-side.
Medicare Supplement (Medigap) Plan Comparison
Only applicants first eligible for Medicare before 2020 may purchase Plans C and F. A checkmark indicates the benefit is paid at 100%.
Plans available to all applicants
Medicare first eligbile before 2020 only
Part A Coinsurance and hospital coverage
(up to an additional 365 days after Medicare benefits are used)
Part B coinsurance or copayment
(first 3 pints, per year)
Part A Hospice coinsurance or copayment
Skilled nursing facility care coinsurance
Part A deductible
Part B annual deductible
Part B excess charges
Foreign Travel Emergency Care2
(up to plan limits)
Out-of-Pocket Limit in 20203
1 Plan N 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 an inpatient admission.
2 Care needed immediately because of an injury or an illness of sudden and unexpected onset. Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum for medically necessary emergency care received outside the U.S. during the first 60 days of each trip.
3 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet your out-of-pocket yearly limit.
Benefits and costs vary depending on the plan chosen.
Coverage vs. Cost
Now that you've seen plan coverage side-by-side, it's time to consider how much those plans impact your personal budget.
Plans A and B: Lower Benefits, Higher Out-of-Pocket
Medicare Supplement Plan A offers just the Basic Benefits while Plan B covers Basic Benefits plus a benefit for the Medicare Part A deductible. The Medicare Part A deductible could be one of your largest out-of-pocket expenses if you need to spend time in a hospital. Plans A and B generally have higher out-of-pocket costs for things like Skilled Nursing Facility Coinsurance, Medicare Part B Excess Charges, and Foreign Travel Emergency Care.
Plans C1, F1 and G: Higher Benefit Level, Higher Premium
Plans C, F and G offer the most supplemental coverage, paying many of your out-of-pocket costs for Medicare-approved services. Consider one of these plans if you are willing to pay a monthly premium that is typically higher in exchange for more covered benefits and lower out-of-pocket costs.
1 You may only apply for plans C and F if you were first eligible for Medicare before 2020.
Plans K and L: Lower Premium, Cost Sharing
Plans K and L are cost-sharing plans offering lower monthly premiums. The premiums are typically lower because, for some services, they pay a percentage of the coinsurance instead of the full coinsurance amount. Once the out-of-pocket limit is reached, these plans pay 100% of covered services for the rest of the calendar year.
Plan N: Copay Structure, Mid-Range Premium
Plan N covers the Medicare Part B coinsurance, but you pay copayments for covered doctor office and emergency room visits in exchange for a monthly premium that tends to be more mid-range.
Choosing a Medicare Supplement plan that fits your needs
When choosing between plans, ask yourself:
How much coverage do you need?
How much is the monthly premium?
How much will you pay for services like hospital stays and doctor visits?
How much are you willing to spend on out-of-pocket costs?
When comparing plans, add up all the costs you're responsible for, including:
Annual Part B deductible
Copayments (copays) and coinsurance, if applicable based on the plan you choose
Medicare Supplement Plan Information and Tools
UnitedHealthcare provides information and tools to make it easier to find the plan you need, and learn as much as possible before you choose.
Medicare Supplement Plans
Find out more about the benefits of AARP Medicare Supplement Insurance Plans from UnitedHealthcare.