Understanding Medicare
Original Medicare (Parts A & B) covers about 80% of your healthcare costs. The remaining 20% — plus deductibles, copays, and prescription drugs — is where your choices matter. As an independent brokerage, we compare plans across multiple carriers to find the right fit for your doctors, medications, and budget.
Parts A & B
Federal coverage for hospital and medical. Covers ~80% of approved costs.
Part C or Supplement
Fills the gaps in Original Medicare or replaces it with bundled coverage.
Prescription Drugs
Standalone drug coverage added to Original Medicare + Medigap.
Coverage Options
Click any plan type to expand the full explanation, highlights, and key tips.
Plan Comparison
All Medigap plans are standardized — the same letter plan offers identical benefits regardless of carrier. The only difference is the premium.
| Plan | Part A Deductible | Copays / Coinsurance | Part B Excess | Foreign Travel | |
|---|---|---|---|---|---|
| Plan A | No | No | No | No | |
| Plan B | Part A only | No | No | No | |
| Plan D | Part A only | No | No | 80% | |
| Plan G | Part A only | No | Yes | 80% | Most Popular |
| Plan G-HD | After HD deductible | No | Yes | 80% | Lowest Premium |
| Plan K | 50% | 50% | No | No | |
| Plan L | 75% | 75% | No | No | |
| Plan M | 50% Part A | No | No | 80% | |
| Plan N | Part A only | Up to $20/$50 ER | No | 80% | Best Value |
Plans C and F are not available to those who became eligible for Medicare on or after January 1, 2020.
Key Terms