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| Medigap Benefits | A | B | D | G | *G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs up to an additional 365 days after Medicare benefits are used up |  |
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| Part B coinsurance or copayment | |
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50% | 75% | |
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| Blood (first 3 pints) | |
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50% | 75% | |
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| Part A hospice care coinsurance or copayment | |
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50% | 75% | |
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| Skilled nursing facility care coinsurance | - | |
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50% | 75% | |
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| Part A deductible | - | |
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50% | 75% | 50% | |
| Part B deductible | - | - | - | |
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- | - | - | - |
| Part B excess charges | - | - | - | |
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- | - | - | - |
| Foreign travel exchange (up to plan limits) | - | - | 80% | 80% | 80% | - | - | 80% | 80% |
| Out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | $8,000 | $4,000 | N/A | N/A |
*Plan G also has an option called a high deductible plan G. This high deductible plan pays the same benefits as Plan G after one has paid a calendar year [$2,950] deductible. Benefits from high deductible plan G will not begin until out-of-pocket expenses exceed [$2,950]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan's separate foreign travel emergency deductible.
Additional Medigap Information
- Medigap Plan G offers a high deductible option. You must pay for Medicare-covered costs up to the high-deductible amount ($2,950 in 2026) before your Medigap policy pays anything.
- Plan N pays 100% Part B coinsurance except up to a $20 copayment for office visits and up to a $50 copayment for ER visits.
- Foreign travel emergency coverage requires a separate $250 deductible, with a $50,000 lifetime maximum benefit.
- After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($283 in 2026), the plan pays 100% of covered services for the rest of the calendar year (plans K and L only). Excess charges do not apply to the maximum out-of-pocket limit.
- 2026 out-of-pocket limit for Plan K is $8,000.
- 2026 out-of-pocket limit for Plan L is $4,000.
Initial Enrollment
- You must be enrolled in both Medicare Part A and Medicare Part B and live in the plan's service area to be eligible for these plans.
- You are first eligible during the 7-month Initial Coverage Enrollment Period (ICEP), the 3 months before your 65th birthday, the month of, and 3 months after. CAUTION: Please take your time and ask for help before making a decision.
- You must continue to pay your Medicare Part B premium in addition to any plan premium shown below.
About the Information Presented
- This is a website presented by CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier; we are an agency that represents many companies offering products to the public and to medicare recipients. We do our best to ensure that all information presented on our web site is current and accurate.
- CDA Insurance LLC is not associated with Medicare or the Center for Medicare and Medicaid Services. Nor is this a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov.
- A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the “gaps” in original Medicare coverage. CDA Insurance LLC is an agency that sells Medicare Supplement plans to medicare beneficiaries. Submitting our online quote request form does NOT affect your current enrollment, nor will it enroll you in a Medicare Supplement plan or other Medicare plans. To apply for coverage, you must apply for the company and plan that you want.