Medicare Supplement Plan Comparison

Medicare Supplement (Medigap) is an insurance plan that helps cover some of the costs that Original Medicare doesn’t cover. The plan might cover deductibles, coinsurance, and copayments that Medicare beneficiaries owe under Original Medicare. Medigap plans serve as supplemental -not primary- health insurance coverage.

There are ten standardized Medicare Supplement policies, and they are labeled Medicare Supplement Plan A, B, C, D, F, G, K, L, M, and N. These policies are sold by private insurers, and since they are standardized, the basic benefits for a Plan G, for instance, is the same across every insurer that sells Plan G, no matter the location.

When shopping for the best Medicare Supplement plan, you may want to compare plans.

Medicare Supplement Plan Comparison

Medicare Supplement Plan A

This plan is the most basic of all the Medigap plans, but it still covers 100% of Part A coinsurance and hospital costs, Part A hospice care coinsurance and copayment, Part B coinsurance and hospital costs, and the first three pints of blood used for a transfusion. All carriers must offer this plan.

Medicare Supplement Plan B

Medicare Supplement Plan B covers everything that Plan A offers, and it also includes the Medicare Part A deductible.

Medicare Supplement Plan C

This is one of the most comprehensive Medigap plans. It provides coverage for all items/costs except Medicare Part B excess charges.

Keep in mind that Medicare Supplement Plan C and Plan F have been discontinued. Anyone who became eligible for Medicare after January 1, 2020, can no longer enroll in these particular plans.

Medicare Supplement Plan D

While Medicare Supplement Plan D provides coverage for most things, it doesn’t cover Part B excess charges or the Part B deductible.

Medicare Supplement Plan F

Medicare Supplement Plan F covers all of the things you would typically pay, leaving you with no out-of-pocket costs. Coverage under this plan includes:

• Part A coinsurance and hospital costs 

• Part A hospice care coinsurance and copayment

• Part B coinsurance and hospital costs

• First three pints of blood used for a transfusion

• Skilled nursing care facility coinsurance

• Part A and B deductibles

• Part B excess charges

• 80% of foreign travel emergency care

Medicare Supplement Plan G

Plan G has been gaining popularity. It offers coverage for everything that Medicare Supplement Plan F does except for the Medicare Part B deductible. If you want comprehensive coverage but don’t qualify for Plan F, then Plan G can be an alternative option.

Medicare Supplement Plan K, L, and M

These Medicare Supplement plans provide partial coverage for certain benefits. For example, Medicare Supplement Plan K and Plan L provide coverage for 50% and 75% of most items, respectively. Plan M covers 100% of the items it covers but only covers 50% of the Part A deductible.

Medicare Supplement Plan N

This plan was created in 2010 and provides lower premiums in exchange for you covering copays for items such as doctor and emergency room visits. Plan N also doesn’t provide coverage for Medicare Part B excess charges or the Part B deductible.

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Once you decide which plan feels suitable for your needs and budget, you can start shopping for rates. Heritage First makes this easy with our experienced Medicare agents. Contact us today to speak to one of our Medicare experts and get a free quote.

Heritage First offers insurance products and services. We are not affiliated with Medicare or any other government agency. Insurance products are guaranteed by the financial strength and claims-paying ability of the issuing company.

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