What percentage does Medigap pay?


Editorial team Published on

Medigap plans typically pay 100% of the remaining out-of-pocket costs (like the 20% Part B coinsurance) after Original Medicare pays its share, depending on the specific standardized plan letter you choose.

✅ Standard Plan Coverage Percentages

  • Plan G / Plan F:
    • Pays 100% of remaining Part A and Part B coinsurance and copays.
  • Plan N:
    • Pays 100% of Part B coinsurance, except for a small copay ($20 for office visits, $50 for ER).
  • Plan K:
    • Pays 50% of most coinsurance and copayments.
  • Plan L:
    • Pays 75% of most coinsurance and copayments.

💡 How Medigap Works with Medicare

  • Original Medicare first: Medicare pays its set portion (usually 80%) of the approved amount.
  • Medigap second: Your supplemental policy steps in to pay its designated percentage (often the remaining 20%).
  • Deductibles: Some plans (like Plan G) require you to pay the Part B deductible out-of-pocket before coverage starts.