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Medicare Supplement Plans

Medicare Supplement Plans

Medicare Supplement policies, also known as Medigap policies, are private insurance plans that help cover some of the out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.

 

There are 10 standardized plans available, each with a different set of benefits, and are offered by private insurance companies. These plans are only available to individuals who are already enrolled in Original Medicare. The benefits of these plans are standardized, meaning that the coverage offered by a Plan A, for example, will be the same regardless of which insurance company offers it.

 Supplement Plans Available

*NOT AVAILABLE IN ALL STATES*

Plan A

Basic benefits package, including coverage for hospital stays, hospice care, and some medical expenses

Plan B

Similar to Plan A, but also covers the Medicare Part A deductible

Plan C

Similar to Plan B, but also covers the Medicare Part B deductible and offers an additional 365 days of hospital coverage after Medicare benefits are exhausted

Plan D

Similar to Plan C, but also covers the first three pints of blood used in a medical procedure

Plan F

Provides the most comprehensive coverage of all the standardized plans, covering all the benefits of Plan C and D, as well as additional coverage for excess charges, foreign travel emergency care and preventative care

Plan G

Similar to Plan F, but does not cover the Medicare Part B deductible

Plan K

Provides coverage for 50% of the cost of the Medicare Part A and B deductibles, and 50% of the cost of the first three pints of blood used in a medical procedure

Plan L

Provides coverage for 75% of the cost of the Medicare Part A and B deductibles, and 75% of the cost of the first three pints of blood used in a medical procedure

Plan M

Similar to Plan A, but also covers the Medicare Part A deductible and 50% of the Medicare Part B deductible

Plan N

Similar to Plan A, but also covers the Medicare Part A deductible, and co-payments for certain medical services and office visits

Additional Information

In addition to a Medicare Supplement plan, seniors must get a Stand-Alone Prescription Drug Plan (PDP) to cover the cost of their prescription drugs and avoid a penalty from the Center for Medicare Services (CMS). 

It is also recommended that Medicare recipients get a Dental/Vision/Hearing plan to cover the help with the cost of dental work, eyeglasses & contacts, and hearing aids. Additionally, Cancer, Long Term Care, and Final Expense  policies are available to provide additional coverage.

Medicare Supplement Comparison Chart
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