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Plans K and L Compared to Plans G and N

Just because all Medigap plans must follow strict state and federal laws doesn’t make understanding them any easier. In fact, the government’s stringent requirements may make plans more difficult to compare. But don’t worry. We have you covered with our Medigap plan breakdowns. Today we compare plans K and L to plans G and N.


The Similarities

Like all Medigap policies, all four plans will cover your Part A coinsurance and hospital costs for up to 365 days after your Medicare benefits are exhausted. Another similarity between each plan is the absence of coverage for your Part B deductible. This means that, regardless of which plan you choose, you will be responsible for the annual $233 deductible in 2022.


The Differences

The list of similarities among the four plans is short. Fortunately, plans G and N are nearly identical. A lone exception is that plan G will pay for the Part B excess charge while plan N does not. Part B excess charges are those legally allowed to be charged by physicians above the Medicare-approved amount.


From here, we can explain how each of the four plans approaches the remaining Medicare benefits. The following benefits are covered at 100% by plans G and N, at 50% under plan K, and at 75% under plan L:


  • Part B coinsurance or copayment
  • First 3 pints of blood
  • Part A hospice coinsurance or copayment
  • Skilled nursing care facility coinsurance
  • Part A deductible

While foreign travel isn’t covered by plans K or L, plans G and N will cover up to 80% of the plan’s limits. The out-of-pocket limits for 2023 are $6,940 and $3,470 for plans K and L, respectively.


Choosing the right Medigap plan will depend on your specific health needs. Trained and licensed professionals can help review your potential medical expenses and select a plan that maximizes your every premium dollar. Contact my office today for a complimentary Medigap review and to learn more about your options.