Medicare Supplement (Medigap)

Insurance

There are 10 standardized Medicare Supplement insurance plans across 47 states,
all indicated by the letters  A to N.

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Medicare Part A & Part B
Medicare Part A & Part B
If you see your physician frequently, you already know that Medicare Part A and Part B have out-of-pocket expenses you must pay. There's good a chance you're able to re-duce costs with a Medicare Supplement insurance plan.
Medicare Supplement Insurance
Medicare Supplement or Medigap insurance plans tackle what's lacking in basic benefits left by Original Medicare, Such as the Part A and Part B deductibles, coinsurance, and copayments.
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47 states offer 10 standardized Medicare Supplement Insurance plans that are indicated by the letters of the alphabet from A to N, minus E, H, I, and J, which are no longer available.

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Private insurance companies providing these policies don’t have to provide every Medicare Supplement plan except for Plan A, and any other standardized Medicare Supplement Insurance plans it offers.

Please note that though the titles appear alike, the parts of Medicare, e.g. Part A and Part B, are different from Medigap Plan A, Plan B, and more.

Medicare Supplement Insurance Plan Basic Benefits

While each Medicare Supplement Insurance plan offers standard or basic benefits, each lettered plan must include the same basic benefits regardless of the insurance provider or state location. For instance, Medicare Supplement Plan G in Texas has the same basic benefits as Plan G in Detroit. Unless you reside in Wisconsin, Massachusetts, or Minnesota, your Medicare Supplement insurance plan solutions are the same as most of the U.S.  Medicare Supplement insurance plans do not have to address dental, vision, continued treatment, or hearing aids, however, every plan must cover at least part of the following:
Medicare Part A
Medicare Part A
Coinsurance expenses up to an additional 12 months after Medicare benefits are exhausted and Hospice Care copayments or coinsurance.
Medicare Part A
Medicare Supplement or Medigap insurance plans tackle what's lacking in basic bene-fits left by Original Medicare, Such as the Part A and Part B deductibles, coinsurance, and copayments.
Medicare Part B
Medicare Part B
Coinsurance or copayments.
Medicare Part B
Medicare Supplement or Medigap insurance plans tackle what's lacking in basic bene-fits left by Original Medicare, Such as the Part A and Part B deductibles, coinsurance, and copayments.
Blood
Blood
Initial three pints of blood used in a medical procedure.
Blood
Medicare Supplement or Medigap insurance plans tackle what's lacking in basic bene-fits left by Original Medicare, Such as the Part A and Part B deductibles, coinsurance, and copayments.

Medicare Supplement Plan F

A few plans offer more basic benefits. Medicare Supplement Plan F is considered the most comprehensive standardized Medigap insurance plan, and carries:

  • Medicare Part A and Part B deductibles.

  • Part B preventative care coinsurance and excess charges

  • Skilled Nursing Facility (SNF) care coinsurance

  • Foreign travel emergency care at 80% of Medicare-approved costs (up to plan limits)

  • Some plans may include additional innovative benefits

Do You Understand How Medicare Supplement Works?

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Medicare Supplement

Medicare Supplement Insurance Plan Costs

While private insurance companies must provide the same basic benefits for every lettered plan, they are allowed to offer varied premiums. You probably want to research rates to find a Medicare Supplement insurance plan to fit your health care and financial needs best.

Please note that irrespective of what rating system an insurance company uses, premiums may rise any time for reasons other than aging, e.g., inflation.

Medicare Supplement Insurance Plan
Enrollment & Eligibility

To qualify for a Medicare Supplement insurance plan, you need to be enrolled in both Medicare Part A and Part B. The best time to register for a plan is in the Medigap Open Enrollment Period, which begins on day one of the month, 6 months before you’re 65, and lasts for six months after. During this time, you’ll have a guaranteed-issue right to join any Medicare Supplement insurance plan obtainable where you are living.

If you enroll during this period, you may not be denied basic benefits according to any pre-existing conditions* (though a waiting period could apply). If you skip this enrollment period and try to enroll in the future, you’re likely to be denied basic benefits or billed a higher premium according to your medical history.

*Pre-existing conditions are any medical problems which existed prior to the beginning of a plan or policy. Coverage may be limited or omitted, and these conditions may stop you from being approved for a policy. The exact description and relevant restrictions or exclusions of coverage are different with every plan, so check a specific plan’s official documents to discover the way that plan handles preexisting conditions.