Medigap policies are derived from Medicare itself. None of these plans include drug benefits. You must buy this separately through Part D.
There are Medigap policies Types A through L available for an insurance company to choose to sell. A company does not have to offer all types. If they offer a type, though, it must provide the full range of services that Medicare has designated to be provided by that type.
Type A covers hospital copays from 60 days and beyond and covers some Part B copays. It will reimburse you for three pints of blood per episode. Type A also pays $120 toward preventative care. Type B covers everything in Part A and pays $992 toward your Medicare hospital copay. Type C covers everything in Type B and includes a benefit for foreign care. It includes copays to nursing homes after 20 days and covers some doctor and outpatient copays. Type C is one of the most comprehensive plans.
Type D covers all the services in Type C except for doctor and outpatient copys but adds a recovery at home benefit. Type E covers everything in Type D except for the recovery at home benefit. Type F covers everything in Type C and includes a benefit for that will pay you for excessive copays.
Type G covers everything in Type C and includes 80% payment of excessive copays and a copay for home recovery costs. Type H covers everything in C except doctor and outpatient copays. Type I covers everything in Type H. Type I also includes a benefit that covers excessive copays and copays for home recovery. Type J covers everything in I plus doctor and outpatient copay coverage. Type J is also a fairly comprehensive Medigap plan.
These policies are a bit different. Type K will pay 50% of all Part B expenses and 100% of your of hospital copays. It includes a benefit for preventative care and will pay your monthly Medicare fees after you pay $4140. Type L is similar to Type K, except that it will pay 75% of Part B expenses and all hospital copays. It will pay your monthly Medicare fees after you reach $2070. Of the two of these, Type L is the most comprehensive and is considered the most comprehensive of all the Medigap policies available.