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Medicare Supplement Plans

Compare Medicare Supplement plans side by side


Medicare Supplement Plans offer additional coverage if your Original Medicare Health Plan cannot cover the full extent of your medical expenses. In fact, these plans also extend to covering medical expenses that you may incur outside your state or country.  Some types of Medicare Advantage Plans may also offer similar benefits, but they can sometimes be restrictive with regards to emergency services or choice of physicians.

In such a case, a Medicare Supplementary Plan can see you through. It is important to note that additional coverage plans are governed by a strict set of rules and are offered by private insurance providers. As such, it requires you to directly deal with private insurers who can often be confusing with their advice. Our agents can help direct you towards a Medicare Supplement Plan that will be ideal to your situation. Since there is no telling how much medical costs you will incur, we can help plan out your expenses and choose what the best policy for you can be.

Medicare Supplement Plan Comparison

Medicare Supplement or Medigap policies follow a set standard and are required to comply with federally implemented state laws. These laws are put in place to protect the citizens of that particular state.

Insurance companies should not be able to sell you a policy that does not follow standardized policies recognized in majority of states. These policies are usually denoted by alphabets easily identifiable in most states, as seen in the chart below.

While most Medicare policies offer very similar benefits with only minor variations—mostly dependent upon the plan you choose—it helps to know and choose the plan that best suits your individual needs. Through the chart below, you can discover a variety of options available to you, to help you make an informed decision.

The states of Massachusetts, Minnesota, and Wisconsin follow a different standardization procedure than other states.

A lesser known fact is that insurance companies are at complete liberty to decide the Medigap policies they wish to sell. State laws, however, may play a part in what policies they are ultimately able to offer. All insurance companies that offer Medigap policies:

  • Are not obliged to offer all Medigap plans
  • Are obliged to offer Medigap Plan A, regardless of what policy they offer
  • Are obliged to offer Plans C and F if they offer any other plan

A point to remember: Apart from cases where the Medigap policy also covers the deductibles, your Medicare Supplement policy will cover co-insurance after the required deductibles have been paid for.

Medicare Supplement Plan Comparison

The table below is designed to make it easier for individuals looking to purchase Medigap policies to find the plan that works for them by enumerating everything each policy offers:

Y = the plan offers to cover 100% of the mentioned benefit
N = the policy does not offer the stated benefit
% = Percentage of cost covered by plan
N/A = not applicable

Medigap Benefits Medigap Plans
A B C D F* G K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A  $5,240 in 2018 $2,620 in 2018 N/A N/A

*Plan F comes with an optional high-deductible plan, which involves you paying for Medicare-covered dues reaching the limit of deductible amount of USD 2,240 in 2018, before your Medigap plan covers any of the costs.

**Once you’ve paid your annual Medigap dues and Part B deductibles, your Medigap plan pays for, in full, for all services it covers for the remainder of the calendar year.

***Plan N pays in full for Part B coinsurance, unless the consultation charges reach USD 20 in case of co-payment, and will only pay a limit of USD 50 co-payment to cover any emergency room visits that do not require inpatient admission.

Source: www.medicare.gov

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