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What is Medigap?

Medicare Supplemental Insurance is also known as Medigap. Medigap plans have extended coverage over some healthcare costs that Medicare Supplement Plans A & B don’t cover. Much like Medicare Advantage, approved private insurance companies provide standardized Medicare plans that are distinguished by the letters A through N. So, for instance, a Medigap Plan F has the same benefits no matter what company you choose. The price you pay for Medigap plans is the only difference.

 

What Do Medigap Plans Cover?

As we have mentioned before, Medigap Plans offer some extended healthcare coverage that Medicare Parts A & B do not cover. Different Medigap Plans (Plans A-N are available) offer different amounts of coverage. You’re probably curious about the coverage differences between plans A through N. The best way to get accurate information is to talk to a licensed professional, as providers, prices, and coverage change between states.

 

Learn more about Medicare Supplement Plans



Medicare Supplement Plan A

Medicare Supplement Plan A provides basic coverage for:

Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end Medical Expenses: pays Part B coinsurance — generally 20% of Medicare-approved expenses — or co-payments for hospital outpatient services
Blood: pays for the first three pints of blood each year
Hospice care: pays Part A coinsurance

Medicare Supplement Plan B

Like all other Medicare supplement insurance plans , Plan B provides basic benefits for hospitalization and medical expenses. Besides the basic benefits, this plan adds a little bit more coverage for hospitalization. This plan might be a good fit if you want more coverage than Medicare Parts A and B, especially for hospital expenses.

Medicare Supplement Plan B provides basic coverage for:

Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
Medical Expenses: pays Part B coinsurance — generally 20% of Medicare-approved expenses — or copayments for hospital outpatient services
Blood: pays for the first three pints of blood each year
Hospice care: pays Part A coinsurance
In addition to the basic benefits, Plan B also provides coverage for: Medicare Part A deductible for hospitalization

Medicare Supplement Part C

Medicare Supplement Plan C covers:
Basic Medicare benefits including
Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
Medical Expenses: pays Part B coinsurance — generally 20% of Medicare-approved expenses — or copayments for hospital outpatient services
Blood: pays for the first three pints of blood each year
Hospice care: pays Part A coinsurance In addition to the basic benefits, Plan C also provides coverage for:
Skilled nursing facility care Medicare Part A deductible for hospitalization Medicare Part B deductible for medical and hospital outpatient expenses Travel-abroad medical emergency help

Medicare Supplement Part D

Medicare Supplemental Plan D is said to be the middle point between the least comprehensive and most comprehensive Medicare Supplement plans. Plan D covers many out-of-pocket costs associated with Original Medicare, but does not cover such costs such as the Part B deductible or Part B excess charges.
Please note that Medicare Supplemental Plan D is not the same as Medicare Part D. Medicare Supplemental Plan D is medical insurance that supplements Part A and Part B coverage, while Medicare Part D is prescription drug coverage that covers the costs associated with prescription medications. Plan D may already include prescription drug benefits, so beneficiaries will not have to enroll in Part D for creditable coverage. On the other hand, beneficiaries should enroll in Part D if their Plan D supplementary coverage does not cover prescription drug costs.

Medicare Supplement Part F (Most Popular Plan)

Plan F also provides coverage for:
Skilled nursing facility care
Medicare Part A deductible for hospitalization
Medicare Part B deductible for medical and hospital outpatient expenses
Medicare Part B excess charges (this is the difference between what a doctor or provider charges and the amount Medicare will pay up to Medicare’s limiting amount)
Travel-abroad medical emergency help
*Plan F also has a high-deductible option. If you choose the high-deductible option on Medicare Supplement Plan F, you have to pay a deductible of ${Amount} for {Year} before the plan pays anything. This amount can go up each year. High-deductible policies have lower premiums, but if you become sick, you’ll have higher out-of-pocket costs. Depending on where you live, you may be eligible for Medicare Select Plan F.

Medicare Supplement Part G

In addition to the basic benefits, Plan G also provides coverage for:
Skilled nursing facility care
Medicare Part A deductible for hospitalization
Medicare Part B excess charges — 100% (this is the difference between what a doctor or provider charges and the amount Medicare will pay) Travel-abroad medical emergency help

Medicare Supplement Part K

Plan K also provides coverage for:
50% coverage for Skilled Nursing Facility coinsurance
50% coverage for your Medicare Part A deductibles
out-of-pocket annual limit (the out-of-pocket annual limit will increase each year for inflation)

Medicare Supplement Part L

Medicare Supplement Plan L covers:
100% coverage for Part A hospitalization coinsurance, plus coverage for 365 days after Medicare benefits end
75% Hospice coverage for Part A coinsurance
75% of Medicare-eligible expenses for the first three pints of blood
75% Part B coinsurance, except for preventive care services, which are covered 100%
In addition to the basic benefits, Plan L also provides coverage for:
75% coverage for Skilled Nursing Facility coinsurance
75% coverage for your Medicare Part A deductibles
${Amount} out-of-pocket annual limit(the out-of-pocket annual limit will increase each year for inflation)

Medicare Supplement Part M

Under Medicare Supplement Plan M, both the Medicare Part B deductible and excess charges are paid out-of-pocket. Excess charges are additional charges outside of the Medicare-approved charge. For example, Medicare’s allowed charge for a doctor’s appointment could be $100, but the physician could choose not to accept that amount, and instead charge an additional 15% for the appointment. In this example, Medicare will pay 80% of the allowed charge, sending the physician $80. The beneficiary is responsible for paying not only the remaining $20, but also the excess 15% charge, another $15, making the total out-of-pocket cost $35. Medicare Supplement Plan G covers this excess charge.

Medicare Supplement Part N

Plan N covers basic Medicare benefits including
Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
Medical Expenses: pays Part B coinsurance excluding $20 copay for office visits and $50 copay for ER — generally 20% of Medicare-approved
expenses — or copayments for hospital outpatient services
Blood: pays for the first three pints of blood each year
Hospice: pays Part A coinsurance
In addition to the basic benefits, Plan N also provides coverage for:
Skilled nursing facility care
Medicare Part A deductible for hospitalization
Travel-abroad medical emergency help



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