Medicare Supplement Plans | Medigap Coverage

Medicare Supplement Plans | Medigap Insurance | Comparison Chart

Find a Medicare Supplement plan that covers your health insurance needs.  There are 10 standardized Medicare Supplement plans in 47 of the 50 states.  Supplemental plans are also called “Medigap Plans” because they help fill the gaps of Medicare.

The Omnibus Budget Reconciliation Act of 1990 provided for the sale of 10 standardized Medicare Supplement plans. There are 10 standardized Medicare Supplement Insurance Plans

Plan A | Plan B | Plan C | Plan D | Plan F | Plan G | Plan K | Plan L | Plan M | Plan N

Medigap Plan A is the most basic coverage of the 10 Medicare Supplement plans. Plan A is generally the cheapest plan to purchase because it provides least amount of coverage.

Medigap Plan B has similar coverage to Plan A.  Plan B helps cover the 2021 Medicare Part A annual hospital deductible of $1,484.

Medigap Plan C covers every benefit of the Medicare-approved amount except the Part B excess charges.  Do not confuse Medicare Supplement Plan C with Part C of Medicare.  Part C of Medicare is a Medicare Advantage Plan and not a Medigap Plan. You must have been eligible for Medicare before 2020.

Medigap Plan D coverage is great for individuals who want their Part A gaps filled. And also want to pay for their Part B deductible and excess charges.

Medigap Plan F provides the most comprehensive coverage of the 10 Medicare Supplement plans.  Plan F is popularly purchased by seniors that want to pay a premium and not have to worry about co-pays, deductibles, and coinsurance.  Plan F is generally more expensive than the rest of the plans because of the comprehensive coverage it provides.  Many seniors consider Plan F the best Medicare Supplement plan.  The year 2020 brought a lot of changes to Medicare Plan F.  It’s recommended to look into Medicare Plan G. In order to purchase a Plan F, you must have been eligible for Medicare before 2020.

Medigap Plan G provides coverage that is similar to the Medicare Supplement Plan F.  Plan G doesn’t fill the annual Part B deductible gap of $203.00.  That would be your responsibility.  If you are comparing Medicare Plan G costs to Plan F, you need to figure-in the $203.  Compare Medicare Plan G quotes and save.

If you compare Plan G’s monthly premium and add $16.92 a month (Part B deductible of $203 divided by 12).  You may find Medicare Plan G is cheaper to purchase than Plan F.  Provides excellent coverage.  That’s why Medicare Plan G is the best value insurance policy to purchase.

Plan K, Plan L, Plan N, and Plan M are more complicated Medicare Supplement plans.  Refer to the coverage and benefits chart below for Medigap coverage details.  Experience has showed that most people choose plans F or G.

Medicare Supplement Plans: Coverage and Benefits Comparison Chart

Medicare Coverage Gaps – Which Medicare Plans Pay this amount Plan APlan BPlan CPlan DPlan FPlan GPlan KPlan LPlan MPlan N
Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
Part B Coinsurance and CopaysYesYesYesYesYesYes50%75%Yes
Blood (first 3 pints)YesYesYesYesYesYes50%75%YesYes
Part A Hospice Care coinsurance or copayYesYesYesYesYesYes50%75%YesYes
Skilled Nursing facility care NoNoYesYesYesYes50%75%YesYes
Part A DeductibleNoYesYesYesYesYes50%75%50%Yes
Part B DeductibleNoNoYesNoYesNoNoNoNoNo
Part B Excess ChargesNoNoNoNoYesYesNoNoNoNo
Foreign Travel (up to plan limits)NoNoYesYesYesYesNoNoYesYes
Out-of-pocket limit** N/AN/AN/AN/AN/AN/A$5,880$2,940N/AN/A

*Medicare Supplement Plan F also offers a high-deductible plan. This means, you must pay for Medicare-covered costs up to the deductible amount before the Medigap plan pays for anything.
**Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services the rest of the calendar year.
***Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an impatient admission.
This information is provided by the 2020 Choosing a Medigap Policy: A guide to Health Insurance for People with Medicare.

Learn more about Medicare Supplement Insurance.