Understanding My Medicare
Medicare Supplement
Medicare Supplement
A Medicare Supplement policy (also called a Medigap policy) pays for services after Medicare. This means your health care bills are paid for by Medicare AND the supplemental policy. There are 10 standard Medicare Supplement plans identified with letters in the alphabet (A, B, C, D, F, G, K, L, M, and N).
A Medicare Supplement plan fills in the gaps that Medicare does not cover. With a Medicare Supplement policy your drug coverage will always be a separate policy.
Typically, a Medicare Supplement policy has higher premiums but lower out of pocket costs when you go to the doctor or hospital than a Medicare Advantage plan. The chart below shows the 10 Medicare Supplement plans available to you and the benefits included in each:
OUTLINE OF MEDICARE SUPPLEMENT COVERAGE
These charts show the benefits included in each of the standard Medicare supplement plans.
BASIC BENEFITS INCLUDED IN ALL:
Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services. Plans K, L, and N require insured to pay a portion of Part B coinsurance or co-payments.
Blood: First 3 pints of blood each year.
Hospice: Part A Coinsurance
A
B
C
D
F / F**
Basic, including 100% Part B coinsurance
Basic, including 100% Part B coinsurance
Basic, including 100% Part B coinsurance
Basic, including 100% Part B coinsurance
Basic, including 100% Part B coinsurance*
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Part A Deductible
Part A Deductible
Part A Deductible
Part A Deductible
Part B Deductible
Part B Deductible
Part B Excess (100%)
Foreign Travel Emergency 80%
Foreign Travel Emergency 80%
Foreign Travel Emergency 80%
G
K
L
M
N
Basic, including 100% Part B coinsurance
Hospitalization and preventive care paid at 100%; other basic benefits paid at 50%
Hospitalization and preventive care paid at 100%; other basic benefits paid at 75%
Basic, including 100% Part B coinsurance
Basic, including 100% Part B coinsurance, except up to $20 co-payment for office visit, and up to $50 co-payment for ER
Skilled Nursing Facility Coinsurance
50% Skilled Nursing Facility Coinsurance
75% Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Skilled Nursing Facility Coinsurance
Part A Deductible
50% Part A Deductible
75% Part A Deductible
50% Part A Deductible
Part A Deductible
Part B Excess (100%)
Foreign Travel Emergency 80%
Foreign Travel Emergency 80%
Foreign Travel Emergency 80%
Out-of-pocket limit $5,880; paid at 100% after limit reached
Out-of-pocket limit $2,940; paid at 100% after limit reached
*Starting January 1, 2020, Medigap plans that cover the Part B deductible (Plans C and F) won’t be available to people new to Medicare. If you have one of these plans (or the high deductible version of Plan F), you can keep it. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may buy one of these plans with the Part B deductible coverage.
**Plan F also offers a high-deductible plan in some states. Benefits from high deductible Plan F will not begin until out-of-pocket expenses (coinsurance, co-payments and deductibles) reach $2,340 (2020). Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy/certificate. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plans’ separate foreign travel emergency deductible.
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