Medicare Supplement Plans

Medicare Supplement Plans

Comparison of 10 Standardized Medicare Supplement Plans

Medicare Pays Medicare Supplement Plans Pay Plan A Plan B Plan C Plan D Plan F Plan G Plan N
Medicare Part A – Inpatient hospital benefit
First 60 days All but $1,316 $1,316 deductible x x x x x x
Coinsurance 61-90 days All but $329/day $329/day x x x x x x x
Coinsurance 91-150 days All but $658/day $658/day x x x x x x x
After Day 150 up to an additional365 days in your lifetime Nothing 100% of eligible expenses x x x x x x x
Blood benefit All but 1st 3 pints First 3 pints x x x x x x x
Skilled Nursing Facility Care
First 20 days 100% Nothing
Coinsurance 21-100 days All but $164.50/day $164.50/day x x x x x x
Medicare Part B: Physician Services & Supplies
Annual deductible Nothing entire deductible $183 x x
Coinsurance Generally 80% Generally 20% x x x x x x x*
Blood benefit All but 1st 3 pints First 3 pints x x x x x x x
Excess benefits Nothing 100% of eligible expenses x x
Additional Benefits
Foreign Travel Nothing 80% of eligible expenses up to a lifetime maximum of $50,000 after a $250 annual deductible x x x x x x
Hospice Benefit All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care Medicare copayment / coinsurance x x x x x x x
* Plan N pays the balance of the Part B coinsurance except for up to a $20 copayment per office visit and up to a $50 copayment per emergency room visit.

What is a Medicare Supplement (Medigap) insurance?

A Medicare supplement (Medigap) insurance is sold by private companies and can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. A supplemental or Medigap plan provides additional coverage to healthcare deficiencies that you may be exposed to under the Original Medicare Part A and Part B. Within the Medigap policy, there are 12 different standards of health plans. Every Medigap policy must follow Federal and state laws designed to protect you. Since these plans are “Standardized”, each policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies. Price and service can vary by company, however, so it is important to research and compare and find the best plan for you. Our dedicated team has the knowledge and expertise necessary to assist policy owners in navigating the Medicare Supplement Process. Contact us today for more information.

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