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Supplement

Overview | Part A & B | Supplement | Part C | Part D | Resources

Medicare Supplement

Medicare Supplement plans (also known as Medigap plans) fill in many of the “gaps” in Original Medicare coverage, Parts A and B, such as co-pays and deductibles for hospitalization, doctor visits and other medical services.  Supplement plans are standardized by the Federal Government, so the benefits for Plan F will be the same regardless of the carrier.

With Medicare Supplement plans you can visit any doctor or any hospital anywhere within USA without getting permission from the insurance company.

People purchase Medicare Supplement Plans because:

  • Medicare does not cover all health care bills.
  • Medicare has deductibles and co-payments for some services.
  • The insured is responsible for paying the costs of services not covered by Medicare.
  • Although these plans may cost more than MedicareAdvantage plans, there are very few expenses after paying the premium.  There are also less restrictions and a larger network of providers available.

Medicare Supplement plans do not cover prescriptions, so you will also want to purchase a stand-alone prescription drug plan (PDP).

The chart below is a brief summary of benefits for Medicare Supplement Plans.

If a check mark appears in a column of this chart, the Medigap policy covers 100% of the described benefit. If a column lists a percentage, the policy covers that percentage of the described benefit. If a column is blank, the policy doesn’t cover that benefit.

Note: The Medigap policy covers Co-insurance only after you have paid the deductible (unless the Medigap policy also covers the deductible).

*After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year. Plan K Out-of-Pocket Limit is $4,660.00. Plan L Out-of-Pocket Limit is $2,330.00. Out-of-pocket limit is the maximum amount you would pay for Co-insurance and Co-payments in a calendar year.

**Plan N pays 100% of the Part B Co-insurance except up to $20 Co-payment for office visits and up to $50 for emergency department visits. 

Plan
A

Plan
B

Plan
C

Plan
D

Plan
F

Plan
G

Plan
K*

Plan
L*

Plan
M

Plan
N

Medicare Part A Co-insurance hospital costs up to an additional 365 days after
Medicare benefits are used up
 ×  ×  ×  ×  ×  ×  ×  ×  ×  ×
Medicare Part B
Co-insurance or Co-payment
 ×  ×  ×  ×  ×  × 50% 75%  ×

×**

Blood
(first 3 pints)
 ×  ×  ×  ×  ×  × 50% 75%  ×  ×
Part A Hospice Care
Co-insurance or Co-payment
 ×  × × × × × 50% 75% × ×
Skilled Nursing Facility Care
Co-insurance
× × × × 50% 75% × ×
Medicare Part A
Deductible
× × × × × 50% 75% 50% ×
Medicare Part B
Deductible
× ×
Medicare Part B
Excess Charges
× ×
Foreign Travel Emergency
(up to plan limits)
× × × × × ×
Medicare Preventive Care Part B
Co-insurance
× × × × × × × × × ×