Medigap plan letters A through N
Since the 1990 NAIC Medicare Supplement Standardization Act, every federal Medigap plan letter covers a federally-frozen set of benefits. The matrix below is verbatim from medicare.gov. Plans C and F are closed to people newly Medicare-eligible on or after 2020-01-01 per MACRA 2015. Massachusetts, Minnesota, and Wisconsin do not use the federal letter system — see your state page.
| Benefit | A | B | CMACRA grandfathered | D | FMACRA grandfathered | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used up) | ||||||||||
| Part B coinsurance or copayment | 50% | 75% | See note | |||||||
| Blood (first 3 pints) | 50% | 75% | ||||||||
| Part A hospice care coinsurance or copayment | 50% | 75% | ||||||||
| Skilled nursing facility care coinsurance | 50% | 75% | ||||||||
| Part A deductible | 50% | 75% | 50% | |||||||
| Part B deductible | ||||||||||
| Part B excess charges | ||||||||||
| Foreign travel emergency (up to plan limits) | ||||||||||
| Out-of-pocket limit (applies to Plans K and L only) |
Reading the matrix: ✓ = the plan covers 100% of the federally-defined benefit; 50%/75% = the plan pays that share of the benefit; ✗ = the plan does not cover the benefit. Plans C and F are closed to people newly eligible for Medicare on or after 2020-01-01 per MACRA 2015 grandfathering. Massachusetts, Minnesota, and Wisconsin do not use the federal 10-letter system; see your state page for the state-specific Medigap structure.
Plan footnotes
- 1. Plan N · Part B coinsurance or copayment: 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 inpatient admission. (Verify CMS dollar amounts at annual review cron.)
- 2. Plan C · Part B deductible: Plans C and F are closed to new Medicare-eligible beneficiaries on or after 2020-01-01 per MACRA 2015. Beneficiaries first eligible for Medicare BEFORE 2020-01-01 may still purchase Plans C and F.
- 3. Plan F · Part B deductible: Plans C and F are closed to new Medicare-eligible beneficiaries on or after 2020-01-01 per MACRA 2015. Beneficiaries first eligible for Medicare BEFORE 2020-01-01 may still purchase Plans C and F.
- 4. Plan K · Out-of-pocket limit (applies to Plans K and L only): Plans K and L include an annual out-of-pocket limit. After the limit is met for the calendar year, Plan K (or L) pays 100% of covered services for the remainder of the year. For 2026, the Plan K limit is $8,000 and the Plan L limit is $4,000 (per CMS K & L Out-of-Pocket Limits Announcement, October 2025; statutory basis 42 U.S.C. § 1395ss(w)(2)).
- 5. Plan L · Out-of-pocket limit (applies to Plans K and L only): Plans K and L include an annual out-of-pocket limit. After the limit is met for the calendar year, Plan K (or L) pays 100% of covered services for the remainder of the year. For 2026, the Plan K limit is $8,000 and the Plan L limit is $4,000 (per CMS K & L Out-of-Pocket Limits Announcement, October 2025; statutory basis 42 U.S.C. § 1395ss(w)(2)).
2026 plan-year dollar amounts
CMS-published 2026 figures referenced across the plan-letter pages.
- Part A deductible (2026)
- $1,736
- Part B deductible (2026)
- $283
- Plan K out-of-pocket limit
- $8,000
- Plan L out-of-pocket limit
- $4,000
Each plan letter, at a glance
Click a plan letter for the full benefits page, the CMS-cited covered-benefits matrix for that letter, and the state-availability note (which states do not sell that plan in its federal form).
Comprehensive coverage — closed to new enrollees as of 2020-01-01
Most comprehensive — closed to new enrollees as of 2020-01-01
Cost-sharing plan with a federal annual out-of-pocket limit (richer than K)
Most-asked plan letter comparisons
The four pairings beneficiaries most commonly weigh under the federal A–N system. Each link jumps to the Related-plans section on that plan’s page.