List of Medicare Supplement Plans 2027

Looking for a clear list of Medicare Supplement plans? Start with this: Medigap plans are labeled by letters, and each letter offers a standardized set of benefits that works alongside Original Medicare. That means Plan G from one insurer covers the same core benefits as Plan G from another; the main differences are usually price and service.

In this guide, we’ll walk through the list of Medicare Supplement plans at a glance, explain how Medigap helps cover out-of-pocket costs, and show why the plan letters matter when you compare your options.

Today’s Medigap options generally include Plans A, B, D, G, K, L, M, and N, with some states handling standardization a bit differently. Every policy must cover core benefits, but the richer letters pick up more of Medicare’s deductibles, coinsurance, and copayments.

Plan G is often the benchmark because it offers broad coverage, while Plan N trades lower premiums for cost-sharing at certain visits. Plans K and L have higher out-of-pocket exposure before fuller protection begins. Because each Medigap policy with the same letter provides the same basic benefits, the real comparison usually comes down to premium, rate history, and service. For more information, read our other articles on the topic, such as Best Rated Medicare Supplement Plans.

• Plan letters commonly available include A, B, D, G, K, L, M, and N, though some states may standardize options differently.
• All Medigap plans must include core benefits, creating a common baseline before comparing richer coverage levels.
• Higher-lettered options generally cover more Medicare deductibles, coinsurance, and copayments, reducing out-of-pocket costs.
• Plan G is often used as a benchmark because it provides broad, predictable coverage for many enrollees.
• Plan N may offer lower premiums, but members can face copayments or other cost-sharing at certain visits.
• Plans K and L usually involve greater out-of-pocket exposure before stronger coverage protections begin.
• Since same-letter plans share standardized benefits, compare insurers mainly on premium, rate history, and customer service.

The main change to know is that certain first-dollar coverage options are no longer available to some people who became newly eligible for Medicare on or after January 1, 2020. In practice, that means supplement insurance carriers generally cannot sell Plan C or Plan F to those newer beneficiaries because those plans paid the Part B deductible.

People who were eligible before that date may still be able to buy one of those options, depending on state rules and insurance company availability, such as United Healthcare Medicare Supplement plans. The policy itself did not disappear entirely; eligibility changed. For many newer shoppers, Plan G became the closest alternative, with similar protection except for the Part B deductible.

A Medicare Supplement plan, often called a Medigap policy, is private supplement insurance designed to work alongside Original Medicare. Original Medicare remains the primary coverage under the Medicare program and pays its share first for approved services.

A Medicare supplement then helps cover some of the out-of-pocket costs that can remain, such as certain deductibles, coinsurance, and copayments, depending on the plan. This differs from replacing your Medicare benefits. A Medigap policy does not stand in for Part A and Part B; it coordinates with them.

You keep Original Medicare, and the supplement insurance fills selected gaps in what Medicare pays. That setup can make expenses more predictable, especially for people who want broad provider access and the simplicity of using coverage that follows Medicare’s rules. In practical terms, Medicare pays first, and your Medicare supplement may then pay its portion, based on the plan you choose.

One of the biggest sources of confusion in Medigap shopping is the alphabet itself. A plan letter is not a grade or a ranking. It is simply a standardized set of benefits defined by law.

That means a Medigap plan with the same letter must cover the same core benefits, no matter which insurance company sells it. Plan G from one insurer has the same medical coverage as Plan G from another; the differences are usually price, rate history, service, and a few extra perks that do not change the standardized coverage.

This structure makes comparison easier. Instead of decoding a different benefit design from every company, you can first decide which plan letter fits your needs and then compare insurers on cost and stability.

Standardization also helps set realistic expectations: if a benefit is not included in that lettered plan, a different company cannot quietly add it as part of the Medigap insurance coverage itself. In short, the letter tells you what is covered, and the company tells you how the policy is priced and managed.

• Helps pay some Original Medicare out-of-pocket costs left by Part A and Part B.
• May cover hospital deductibles and daily hospital coinsurance, depending on the lettered plan.
• Can help with skilled nursing facility coinsurance after a qualifying Medicare-covered stay.
• Often reduces the 20% Part B coinsurance for many doctor and outpatient services.
• Works alongside Original Medicare rather than replacing your Medicare coverage.
• Usually does not include routine dental, vision, or prescription drug coverage.
• Benefits vary by plan letter, location, and Medicare eligibility rules affecting Part B deductible coverage.

Not every Medicare supplement option is available to every shopper, and that is where many comparisons can get confusing. Some Medigap plans are closed to newly eligible beneficiaries, while others may be offered only in certain states or by a limited set of insurers.

Eligibility can also depend on when you enroll, whether you have guaranteed-issue rights, and whether you are applying during your Medigap open enrollment window or later, when medical underwriting may apply. It also helps to separate availability from fit. A plan may be sold in your area but still not be the right policy for your budget, travel habits, or preference for predictable out-of-pocket costs.

Because Medicare rules set the core benefits for standardized Medigap plans, the bigger variables are often timing, pricing, and which carriers participate where you live. Checking those details early can save time and narrow the field quickly.

When shoppers compare Medicare coverage, this is usually the key fork in the road: stay with Original Medicare and add a Medicare Supplement, or enroll in a Medicare Advantage plan that bundles your benefits through a private insurer. Both approaches are built on Medicare, but they work very differently in day-to-day care and in how you pay. A Medicare Supplement, often called Medigap, helps cover out-of-pocket costs left by Original Medicare, such as deductibles, copays, and coinsurance.

In most cases, it offers broad provider flexibility because you can generally see any doctor or hospital nationwide that accepts Medicare. Medicare Advantage plans, by contrast, typically use local networks and set their own cost-sharing rules, but they may include extras like dental, vision, hearing, or prescription drug coverage in one plan. The right choice depends on your priorities: predictable costs and provider freedom, or lower premiums and bundled benefits.

In most states, current Medigap plan letters include A, B, D, G, K, L, M, and N. Benefits are standardized by letter, so the same letter offers the same core coverage across insurers, though premiums and availability vary by company and location.

Plan F and Plan C are generally not sold to people who became newly eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to buy one, depending on state rules and insurer availability.

Original Medicare pays first for covered services. Your Medicare Supplement policy may then help pay certain remaining costs, such as deductibles, coinsurance, and copayments, based on the plan letter you choose. It supplements Medicare rather than replacing it.

Depending on the plan, Medigap may help pay the Part A hospital deductible, hospital coinsurance, skilled nursing facility coinsurance, and the Part B coinsurance many beneficiaries owe for covered outpatient care. Coverage depends on the specific standardized plan letter.

A plan letter defines a standardized set of benefits. That means Plan G from one insurer has the same medical coverage as Plan G from another. Once you pick a letter, the main differences to compare are premium, rate history, customer service, and local availability.

Medicare Supplement works with Original Medicare and usually offers broad provider access anywhere Medicare is accepted. Medicare Advantage is an alternative way to receive Medicare through a private plan, often with networks, different cost-sharing rules, and sometimes extra benefits such as dental or vision.

Not always. Availability can depend on where you live, when you apply, and whether you qualify for guaranteed-issue rights. If you apply outside your Medigap open enrollment period, medical underwriting may apply in many cases.

Usually no. Medigap is designed to help with Medicare-covered medical out-of-pocket costs, not routine dental, vision, or stand-alone prescription drug benefits. Those needs are typically handled through separate coverage.