Comparing Medicare Supplement insurance plans

Shop plans in your area

See AARP Medicare Supplement Insurance plans where you live – and compare costs and benefits side-by-side.

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 (Medicare Parts A and B), 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 plans offered by companies in 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.

AARP 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%.
Reference the chart below to understand coverage and costs associated with each Medicare Supplement plan.

Medsupp Table
Plans available to all applicants							Medicare first eligible before 2020 only

Benefits	Plan A	Plan B	Plan G	Plan K	Plan L	Plan N	Plan C	Plan F
Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used)
Part B coinsurance or copayment				50%	75%	¹
Blood (first 3 pints, per year)				50%	75%
Part A Hospice coinsurance or copayment				50%	75%
Skilled nursing facility care coinsurance				50%	75%
Part A deductible				50%	75%
Part B annual deductible
Part B excess charges⁴
Foreign Travel Emergency Care² (up to plan limits)
Out-of-Pocket Limit in 2025³				$7,220	$3,610

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.

⁴In New York, excess charges are limited to 5%. Under Ohio and Pennsylvania law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare approved Part B charge. Plans F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law. In Texas, the amount cannot exceed 15% over the Medicare approved amount or any other charge limitation established by the Medicare program or state law. Note that the limiting charge applies only to certain services and does not apply to some supplies and durable medical equipment. Vermont law generally prohibits a physician from charging more than the Medicare approved amount. However, there are exceptions and this prohibition may not apply if you receive services out of state.

Benefits and costs vary depending on the plan chosen.

Coverage vs. cost: How to choose a Medicare Supplement plan

Now that you've seen plan coverage side-by-side, it's time to consider how much those plans impact your personal budget.

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 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 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 covers the Medicare Part B coinsurance once the Part B deductible is met, 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:

Monthly premium
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.

View plans and pricing

Find Medicare Supplement plans in your area. You can even compare plans – side by side.

Looking for the differences between Medicare Advantage and Medicare Supplement plans instead?

Comparing Medicare Advantage plans vs. Medicare Supplement plans

Get a Free Decision Guide

The Decision Guide provides you with information about AARP Medicare Supplement Plans.

Request your free guide

You've got questions.

We've got answers.

Chat with UnitedHealthcare

Chat is currently unavailable.
Please try again later.

Call UnitedHealthcare

Call Dynamic TFN / TTY 711

Hours: 8 a.m. to 8 p.m., 7 days a week

Find a plan

Meet with us

Make an appointment with a licensed insurance agent in your area.

Find an agent - opens in a new tab

Already a member?

Go to the member site to sign in or register for an account

Member sign in

View Important Disclosures Below

AARP endorses the AARP Medicare Supplement Insurance Plans. Insurers of the Plans pay royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.

You must be an AARP member to enroll in an AARP Medicare Supplement Plan. If you are not a member, you can join AARP for just $20.00 a year.

Insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except NY) or UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 (available in TX) or UnitedHealthcare Insurance Company of New York, 2950 Expressway Drive South, Suite 240, Islandia, NY 11749 (for NY residents). Each insurer has sole financial responsibility for its products. Policy Form No. GRP 79171 GPS-1 (G-36000-4).

In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.

Not connected with or endorsed by the U.S. Government or the federal Medicare program.

This is a solicitation of insurance. A licensed insurance agent/producer may contact you.

THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN/1-844-775-1729.

WB27950S1