Medicare Supplement Plans Comparison Chart 2027: Compare All 10 Medigap Plans

Plan G is the most complete plan for people new to Medicare. After the Part B deductible ($283 in 2026), it pays your Medicare-approved costs in full, including Part B excess charges. See our full guide to Medicare Supplement Plan G for 2027.

Plan N usually costs less than Plan G. In exchange, you pay copays of up to $20 for some office visits and up to $50 for ER visits, and it doesn’t cover excess charges. See our Medicare Supplement Plan N 2027 guide.

High Deductible Plan G pays the same benefits as Plan G after you meet a yearly deductible ($2,950 in 2026). It has the lowest premium of the four and fits people who rarely see a doctor but want protection from a big bill.

Plan K and Plan L pay a share of most costs, 50% and 75%, until you reach a yearly out-of-pocket limit ($8,000 and $4,000 in 2026). After that, they pay 100%. Premiums are lower, but your costs in a heavy-use year are higher.

Related: Medicare Supplement Plan K for 2027 What Plan K covers at 50%, its 2027 out-of-pocket limit and how it compares with Plans L, G and N.

Related: Medicare Supplement Plan J in 2027 What Plan J covers, why it closed in 2010 and how it compares with Plans F, G and N.

➤ What is the best Medicare Supplement plan for 2027?

For most people new to Medicare, Plan G is the most complete plan available. It covers everything except the Part B deductible. Plan N costs less in exchange for small office and ER copays, and High Deductible Plan G has the lowest premium if you can handle a yearly deductible.

➤ Are Medicare Supplement plans the same from every company?

Yes. Medigap plans are standardized by federal law, so a Plan G from one company pays exactly the same benefits as a Plan G from any other company. Premiums, discounts, rate increase history and customer service are what differ.

➤ What is the difference between Plan G and Plan N?

Both pay the Part A deductible and most of your Medicare-approved costs. Plan N adds copays of up to $20 for some office visits and up to $50 for ER visits that don’t result in admission, and it doesn’t cover Part B excess charges. In exchange, Plan N usually has a lower premium.

➤ Can I still buy Medicare Supplement Plan F in 2027?

Only if you were eligible for Medicare before January 1, 2020. Plan F and Plan C cover the Part B deductible, and federal law stopped selling plans that cover it to people who became eligible on or after that date. Plan G is the closest option for everyone else.

➤ Which Medigap plans cover Part B excess charges?

Only Plan F and Plan G cover Part B excess charges, the extra amount a doctor who doesn’t accept Medicare assignment can charge, up to 15% above the Medicare-approved amount.

➤ Do Medicare Supplement plans cover prescription drugs?

No. Medigap plans sold today do not include prescription drug coverage. You need a separate Medicare Part D plan alongside your Medicare Supplement plan.

➤ What are the Plan K and Plan L out-of-pocket limits?

In 2026 the out-of-pocket limit is $8,000 for Plan K and $4,000 for Plan L. Once you reach the limit, the plan pays 100% of covered services for the rest of the year. The 2027 limits are set each fall.

➤ Do Medicare Supplement plans cover foreign travel?

Plans C, D, F, G, M and N cover 80% of foreign travel emergency care after a $250 deductible, up to a $50,000 lifetime limit. Plans A, B, K and L do not include foreign travel coverage.

➤ When is the best time to buy a Medicare Supplement plan?

Your Medigap Open Enrollment Period, the six months starting the month you are 65 or older and enrolled in Part B. During that window, insurance companies can’t deny you coverage or charge you more because of your health.