What Is Covered By Medigap? 
Original Medicare -LRB- Parts A & B -RRB- covers appoximately 80 % of your healthcare expenses . Medicare supplements -LRB- or commonly referred to as Medigap -RRB- plans help provide coverage for the other 20 % . There are 9 benefits available in Medigap plans : 1 -RRB- Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up 2 -RRB- Medicare Part B coinsurance or copayment 3 -RRB- First 3 pints of blood 4 -RRB- Part A hospice care coinsurance or copayment 5 -RRB- Skilled nursing facility care coinsurance 6 -RRB- Medicare Part A deductible 7 -RRB- Medicare Part B deductible 8 -RRB- Medicare Part B excess charges 9 -RRB- Foreign travel emergency -LRB- up to limits as cited in the plans -RRB- Each plan provides a percentage of coverage for the first 4 benefits . From there , each plan features some or all of the other 5 benefits . Plan F is the most comprehensive benefit as it covers all 9 benefits at 100 % . Plan G is almost identical as it covers 8 benefits at 100 % -LRB- the one it does n't cover is the Part B deductible . Plan N is also very competitive - as long as your primary care doctor accepts Medicare and assignment , your only other payment other than your premium would be the Part B deductible -LRB- $ 147 in 2014 -RRB- and a copay at the doctor 's office -LRB- up to $ 20 per visit -RRB- or hospital -LRB- up to $ 50 per visit -RRB- . I highly recommend downloading a copy of the Medigap guidebook on the Medicare.gov website - the guidebook is titled `` Choosing a Medigap Policy : A Guide to Health Insurance for People with Medicare . '' Agents will have this on hand as well - it 's required to be given to the proposed insured if they decide to apply for a plan . You can send me a private message if you 'd like me to e-mail it to you . 