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What the columns mean
Every Medigap chart lists the plan letters across the top and the benefits down the side: Part A coinsurance and hospital costs, Part B coinsurance, blood, hospice care, skilled nursing coinsurance, the Part A deductible, the Part B deductible, Part B excess charges, and foreign travel emergency cover. A tick means the plan pays that item in full; a percentage means it pays that share.
Because the benefits are standardised by law, Plan G from one insurer covers exactly what Plan G from another covers. The chart tells you what is covered, never who to buy it from.
What to compare instead
- Premium for the same plan letter, between carriers in your ZIP code
- Rating method — attained-age, issue-age or community-rated changes how the premium moves as you get older
- Rate-increase history for that carrier in your state
- Household or non-smoker discounts