Medicare Supplement Plans

Medicare Supplement Plans

Comparison of 10 Standardized Medicare Supplement Plans

Medicare PaysMedicare Supplement Plans PayPlan APlan BPlan CPlan DPlan FPlan GPlan N
Medicare Part A – Inpatient hospital benefit
First 60 daysAll but $1,316$1,316 deductiblexxxxxx
Coinsurance 61-90 daysAll but $329/day$329/dayxxxxxxx
Coinsurance 91-150 daysAll but $658/day$658/dayxxxxxxx
After Day 150 up to an additional365 days in your lifetimeNothing100% of eligible expensesxxxxxxx
Blood benefitAll but 1st 3 pintsFirst 3 pintsxxxxxxx
Skilled Nursing Facility Care
First 20 days100%Nothing
Coinsurance 21-100 daysAll but $164.50/day$164.50/dayxxxxxx
Medicare Part B: Physician Services & Supplies
Annual deductibleNothingentire deductible $183xx
CoinsuranceGenerally 80%Generally 20%xxxxxxx*
Blood benefitAll but 1st 3 pintsFirst 3 pintsxxxxxxx
Excess benefitsNothing100% of eligible expensesxx
Additional Benefits
Foreign TravelNothing80% of eligible expenses up to a lifetime maximum of $50,000 after a $250 annual deductiblexxxxxx
Hospice BenefitAll but very limited copayment / coinsurance for outpatient drugs and inpatient respite careMedicare copayment / coinsurancexxxxxxx
* 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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