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Medicare Supplement (Medigap)

A Medigap policy is a health insurance policy sold by private insurance companies to fill "gaps" in Original Medicare Plan coverage. Medigap policies must follow federal and state laws. These laws protect you. The front of the Medigap policy must clearly identify it as "Medicare Supplement Insurance."

Each policy has a different set of benefits. Two of the standardized policies may have a high deductible option. In addition, any standardized policy may be sold as a "Medicare SELECT" policy. Medicare SELECT policies usually cost less because you must use specific hospitals and, in some cases, specific doctors to get full insurance benefits from the policy. In an emergency, you may use any doctor or hospital.

Outline of Medicare Supplement Coverage

(Benefit Plans A-N)

This chart shows the benefits included in each plan. Every company must make available Plan "A". Some plans may not be available in your state as indicated below.

A B C D F* G K L M N
Medicare Part A Coinsurance hospital costs up to an additional 365 days after Medicare benefits are used up
Medicare Part B Coinsurance or Copayment 50% 75% •***
Blood (First 3 pints) 50% 75%
Part A Hospice Care Coinsurance or Copayment 50% 75%
Skilled Nursing Facility Care Coinsurance 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 Coinsurance
**Out-of-Pocket Limit $5,880** $2,940**

Plans A-N are standardized by the federal government. Not all plans may be available in your area. Consider the benefits offered by each plan and look for one that best meets your individual needs.

*Medigap Plan F also offers a high-deductible plan. This means you must pay for Medicare-covered costs up to the deductible amount ($2,370 in 2021) before your Medigap plan pays anything.

**After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($203 in 2021), the plan pays 100% of covered services for the rest of the calendar year. Out-of-pocket limit is the maximum amount you would pay for coinsurance and copayments.

***Plan N pays 100% of the Part B coinsurance except up to $20 copayment for office visits and up to $50 for emergency department visits.

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Calling the number 866-340-5697 shown above will direct you to a licensed insurance agent. over65quote is not affiliated with or endorsed by the  Government or Federal Medicare program. Medicare is available to those age 65 and older as well as people on disability. Please be aware that this is an advertisement and not an actual news article or blog. "We do not offer every plan available in your area. Any information provided is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options."

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