Sources: Medicare.gov Compare Medigap plan benefits, DME coverage and Does your provider accept Medicare as full payment?, checked 13 October 2026; CMS competitive bidding fact sheet.
Your Part B costs for DME
Medicare.gov says that after the Part B deductible, you pay 20% of the Medicare-approved amount for DME if your supplier accepts assignment. CPAP therapy, oxygen equipment and accessories, and respiratory assist devices are all listed as covered DME. Depending on the item, you may rent, buy or have the choice, and some rented items become yours after a set number of payments.
Medigap plans and Part B costs (2026)
| Plan | Part B coinsurance (your 20%) | Part B deductible ($283) | Part B excess charge |
|---|---|---|---|
| A | Covered | Not covered | Not covered |
| B | Covered | Not covered | Not covered |
| C | Covered | Covered | Not covered |
| D | Covered | Not covered | Not covered |
| F | Covered | Covered | Covered |
| G | Covered | Not covered | Covered |
| K | 50% | Not covered | Not covered |
| L | 75% | Not covered | Not covered |
| M | Covered | Not covered | Not covered |
| N | Covered (visit copays apply) | Not covered | Not covered |
Source: Medicare.gov Medigap chart. Plans C and F aren’t available to everyone; eligibility depends on when you first became eligible for Medicare. High-deductible F and G (some states) require you to pay up to $2,950 in 2026 before the policy pays. Plans K and L have out-of-pocket limits of $8,000 and $4,000 in 2026.
Why assignment matters more than excess-charge coverage
- A supplier that accepts assignment can charge you only the deductible and coinsurance on the Medicare-approved amount (Medicare.gov).
- For rented DME, Medicare.gov advises checking that the supplier accepts assignment for all rental months; otherwise you may pay the full cost up front and be reimbursed later (Medicare.gov).
- CMS says non-participating DME suppliers in non-bidding areas aren’t required to accept assignment and “can charge any amount” (CMS).
So even with Plan G, ask every CPAP or oxygen supplier: “Do you accept assignment for all rental months?” More in DME assignment explained.
Medigap vs Medicare Advantage for equipment
Medigap works only with Original Medicare. Medicare Advantage plans set their own cost-sharing and supplier networks; see Medicare Advantage vs Original Medicare for DME.
Verdict
If you rely on CPAP or oxygen, a Medigap plan that covers Part B coinsurance in full (most do) removes the 20% share. Plan G covers almost everything except the $283 deductible. Whatever plan you choose, insist on a supplier that accepts assignment.
Related: Medicare CPAP coverage, Medicare oxygen coverage, competitive bidding explained, HSA and FSA eligibility.