Medicare Supplement (also known as Medigap or MedSup) policies help cover certain out-of-pocket costs that Original Medicare, Part A and Part B, doesn’t cover. There are 10 plan types available in most states, and each plan is labeled with a different letter that corresponds with a certain level of coverage.
In most states, Medigap plans have the same standardized benefits for each letter category. This means that the coverage for a Plan A, for example, is the same across every insurance company that sells Plan A, regardless of location. This makes it easy to compare Medicare Supplement plans because the main difference between plans of the same letter category will be the premium cost.
Medicare Supplement insurance works differently in Massachusetts, Minnesota, and Wisconsin, which standardize their plans differently from the rest of the country. Insurance companies that sell Medicare Supplement insurance aren’t required to offer all plan types. However, any insurance company that sells Medigap insurance is required by law to offer Medigap Plan A. If an insurance company wants to offer other Medigap plans, it must sell either Plan C or Plan F in addition to any other plans it would like to sell.
The chart below allows you to compare Medicare Supplement plans based on what’s offered across the 10 standardized plans that are available in most states.
|2017 Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance hospital costs up to an additional 365 days after Medicare benefits are exhausted||X||X||X||X||X||X||X||X||X||X|
|Medicare Part B copayment or coinsurance coverage||X||X||X||X||X||X||50%||75%||X||X***|
|First 3 pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled Nursing Facility (SNF) care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B ‘excess charges’||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventive care coinsurance||X||X||X||X||X||X||X||X||X||X|
$5,120 in 2017 $2,560 in 2017
* There is also a high-deductible version of Plan F where beneficiaries pay a deductible of $2,200 in 2017 before the Medigap plan begins to cover Medicare-covered costs.
** After the out-of-pocket limit (including the Medicare Part B deductible) is reached for Plans K or L, the Medigap plan pays 100% of Medicare-covered services for the remainder of the calendar year.
***Plan N pays 100% of the Medicare Part B coinsurance costs, with the exception of a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in the beneficiary being admitted as an inpatient.
This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
eHealth´s Medicare website is operated is operated by eHealthInsurance Services, Inc., a health insurance agency licensed to sell Medicare products.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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