Medigap (Medicare Supplement Insurance) Plans<\/h3>

Medigap policies are standardized and identified by letters A through N (in most states). Each lettered plan offers a different level of coverage. The benefits of each plan are the same regardless of which insurance company sells it. Here\u2019s a detailed look at what each plan covers:<\/p>

Plan A<\/h4>

Plan A<\/strong> is the most basic Medigap policy and includes:<\/p>

• Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up<\/li>
• Part B coinsurance or copayment<\/li>
• The first three pints of blood<\/li>
• Part A hospice care coinsurance or copayment<\/li><\/ul>

  Plan B<\/h4>

  Plan B<\/strong> includes everything in Plan A, plus:<\/p>

  • Part A deductible<\/li><\/ul>

    Plan C<\/h4>

    Plan C<\/strong> offers more comprehensive coverage, including:<\/p>

    • Everything in Plan B<\/li>
    • Skilled nursing facility care coinsurance<\/li>
    • Part B deductible<\/li>
    • Foreign travel emergency (up to plan limits)<\/li><\/ul>

      Note:<\/strong> Plan C is no longer available to new Medicare beneficiaries who became eligible on or after January 1, 2020, due to changes in federal law.<\/p>

      Plan D<\/h4>

      Plan D<\/strong> includes:<\/p>

      • Everything in Plan B<\/li>
      • Skilled nursing facility care coinsurance<\/li>
      • Foreign travel emergency (up to plan limits)<\/li><\/ul>

        Note:<\/strong> Plan D does not cover the Part B deductible.<\/p>

        Plan F<\/h4>

        Plan F<\/strong> is the most comprehensive Medigap plan, covering:<\/p>

        • Everything in Plan C<\/li>
        • Part B excess charges<\/li><\/ul>

          Note:<\/strong> Plan F is also no longer available to new Medicare beneficiaries who became eligible on or after January 1, 2020. It remains available to those who were eligible before that date.<\/p>

          Plan G<\/h4>

          Plan G<\/strong> is similar to Plan F but does not cover the Part B deductible. It includes:<\/p>

          • Everything in Plan F except the Part B deductible<\/li><\/ul>

            Plan G<\/strong> is now the most comprehensive plan available to new Medicare beneficiaries.<\/p>

            Plan K<\/h4>

            Plan K<\/strong> covers:<\/p>

            • 50% of Part B coinsurance or copayment<\/li>
            • 50% of the first three pints of blood<\/li>
            • 50% of Part A hospice care coinsurance or copayment<\/li>
            • 50% of skilled nursing facility care coinsurance<\/li>
            • 50% of Part A deductible<\/li>
            • Out-of-pocket limit: After you spend a certain amount out-of-pocket, Medigap Plan K covers 100% of covered services for the rest of the year.<\/li><\/ul>

              Plan L<\/h4>

              Plan L<\/strong> is similar to Plan K but offers higher coverage:<\/p>

              • 75% of Part B coinsurance or copayment<\/li>
              • 75% of the first three pints of blood<\/li>
              • 75% of Part A hospice care coinsurance or copayment<\/li>
              • 75% of skilled nursing facility care coinsurance<\/li>
              • 75% of Part A deductible<\/li>
              • Out-of-pocket limit: After you spend a certain amount out-of-pocket, Medigap Plan L covers 100% of covered services for the rest of the year.<\/li><\/ul>

                Plan M<\/h4>

                Plan M<\/strong> covers:<\/p>

                • 50% of Part A deductible<\/li>
                • Everything in Plan A<\/li>
                • Skilled nursing facility care coinsurance<\/li>
                • Foreign travel emergency (up to plan limits)<\/li><\/ul>

                  Note:<\/strong> Plan M does not cover the Part B deductible.<\/p>

                  Plan N<\/h4>

                  Plan N<\/strong> offers similar coverage to Plan D, but with different cost-sharing:<\/p>

                  • Everything in Plan D<\/li>
                  • Copayments for some Part B services: Up to $20 for office visits and up to $50 for emergency room visits that do not result in an inpatient admission<\/li><\/ul>

                    Summary of Coverage<\/h3>

                    Here\u2019s a comparative summary of what each plan covers:<\/p>

                    Benefit<\/th>	A<\/th>	B<\/th>	C<\/th>	D<\/th>	F<\/th>	G<\/th>	K<\/th>	L<\/th>	M<\/th>	N<\/th><\/tr><\/thead>
                    Part A coinsurance and hospital costs<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td><\/tr>
                    Part B coinsurance or copayment<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	50%<\/td>	75%<\/td>	\u2713<\/td>	\u2713^1<\/td><\/tr>
                    First three pints of blood<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	50%<\/td>	75%<\/td>	\u2713<\/td>	\u2713<\/td><\/tr>
                    Part A hospice care coinsurance<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	50%<\/td>	75%<\/td>	\u2713<\/td>	\u2713<\/td><\/tr>
                    Skilled nursing facility care coinsurance<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	50%<\/td>	75%<\/td>	\u2713<\/td>	\u2713<\/td><\/tr>
                    Part A deductible<\/td>	\u00a0<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	50%<\/td>	75%<\/td>	50%<\/td>	\u2713<\/td><\/tr>
                    Part B deductible<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u2713<\/td>	\u00a0<\/td>	\u2713<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td><\/tr>
                    Part B excess charges<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u2713<\/td>	\u2713<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td><\/tr>
                    Foreign travel emergency<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u2713<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u2713<\/td>	\u2713<\/td><\/tr>
                    Out-of-pocket limit<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	\u00a0<\/td>	$[X]<\/td>	$[Y]<\/td>	\u00a0<\/td>	\u00a0<\/td><\/tr><\/tbody><\/table> ^1<\/strong> Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.<\/p> Choosing the Right Medigap Plan<\/h3> When choosing a Medigap plan, consider the following:<\/p> Current and expected healthcare needs:<\/strong> Your choice may depend on how often you visit the doctor, require hospital services, or travel abroad.<\/li> Budget:<\/strong> Premiums and out-of-pocket costs vary by plan.<\/li> Availability:<\/strong> Not all plans are available in every state, and not all insurers offer every plan.<\/li><\/ul> For more detailed information and personalized advice, visit medicare.gov<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":" Medigap (Medicare Supplement Insurance) Plans Medigap policies are standardized and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-3496","page","type-page","status-publish","hentry"],"yoast_head":"\n