Answer: Most people have a Medigap policy. If you purchased a Medigap policy before June 1, 2010, you could choose from Plan A-L.  Of these policies, only Plan A and B lack the nursing home coinsurance benefit; plan K covers 50% of the coinsurance and Plan L covers 75%.  Effective June 1 2010, the available Medigap plans that you may purchase are Plans A,B,C,D,F,G,K,L,M and N; Plans E,H and I have been eliminated.  Plans C,D,F,G,M and N cover the nursing home coinsurance in full, while Plan K still pays 50% of the cost and Plan L pays 75%.