Medicare Supplement Plans - Medigap - Medicare Coverage

Medicare Supplement Insurance Plans (Medigap)

Only being enrolled in Medicare Parts A and B leaves you at risk of paying more out of pocket for many common medical bills, such as prescription drugs, specialists, dental care, and hearing aids, just to name a few.

Increasing your coverage with a Medicare Supplement insurance plan (also referred to as Medigap) will increase your coverage, quality of care, and provide significant savings on unexpected medical bills.

What is a Medicare Supplement insurance plan?

Medicare Supplement insurance plans, also called Medigap policies, are used in conjunction with Original Medicare (Part A and Part B) to fill in some coverage gaps, including copayments, coinsurance and deductibles, as well as emergency overseas healthcare. These plans are sold by private companies.

Medicare Supplement plans pay for costs you’d normally be responsible for paying under Original Medicare as long as you pay your monthly premium. With a Medicare Supplement plan, you can better predict your expenses and make better use of your hard-earned retirement. The best is that you’re not required to use a network of providers—choose any doctor or specialist that accepts Medicare without a referral, and never worry about losing your preferred physician.

Medicare Supplement insurance plans do no not cover long-term care, hearing, vision, dental or prescription drug coverage. For Medicare plans offering coverage beyond hospital and medical insurance, see our Medicare Advantage plans.

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Medicare Supplement Plans

There are 10 standardized Medicare Supplement plans, ranging from A through N, that provide the same basic benefits in 47 states. Massachusetts, Minnesota, and Wisconsin have Medicare Supplement policies that are standardized differently.

 

Medigap Plans
Medigap Benefit A B C D F G K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes*

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care coinsurance

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B excess charge

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Foreign travel exchange (up to plan limits)

Yes

Yes

80%

80%

80%

80%

Yes

Yes

80%

80%

Out-of-pocket limit N/A N/A N/A N/A N/A N/A

$4,960

$2,480

N/A N/A

Source

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

  • A

    Yes

  • B

    Yes

  • C

    Yes

  • D

    Yes

  • F

    Yes

  • G

    Yes

  • K

    Yes

  • L

    Yes

  • M

    Yes

  • N

    Yes

Part B coinsurance or copayment

  • A

    Yes

  • B

    Yes

  • C

    Yes

  • D

    Yes

  • F

    Yes

  • G

    Yes

  • K

    50%

  • L

    75%

  • M

    Yes

  • N

    Yes*

Blood (first 3 pints)

  • A

    Yes

  • B

    Yes

  • C

    Yes

  • D

    Yes

  • F

    Yes

  • G

    Yes

  • K

    50%

  • L

    75%

  • M

    Yes

  • N

    Yes

Part A hospice care coinsurance or copayment

  • A

    Yes

  • B

    Yes

  • C

    Yes

  • D

    Yes

  • F

    Yes

  • G

    Yes

  • K

    50%

  • L

    75%

  • M

    Yes

  • N

    Yes

Skilled nursing facility care coinsurance

  • A

    No

  • B

    No

  • C

    Yes

  • D

    Yes

  • F

    Yes

  • G

    Yes

  • K

    50%

  • L

    75%

  • M

    Yes

  • N

    Yes

Part A deductible

  • A

    No

  • B

    Yes

  • C

    Yes

  • D

    Yes

  • F

    Yes

  • G

    Yes

  • K

    50%

  • L

    75%

  • M

    50%

  • N

    Yes

Part B deductible

  • A

    No

  • B

    No

  • C

    Yes

  • D

    No

  • F

    Yes

  • G

    No

  • K

    No

  • L

    No

  • M

    No

  • N

    No

Part B excess charge

  • A

    No

  • B

    No

  • C

    No

  • D

    No

  • F

    Yes

  • G

    Yes

  • K

    No

  • L

    No

  • M

    No

  • N

    No

Foreign travel exchange (up to plan limits)

  • A

    No

  • B

    No

  • C

    80%

  • D

    80%

  • F

    80%

  • G

    80%

  • K

    No

  • L

    No

  • M

    80%

  • N

    80%

Out-of-pocket limit

  • A

    N/A

  • B

    N/A

  • C

    N/A

  • D

    N/A

  • F

    N/A

  • G

    N/A

  • K

    $4960

  • L

    $2480

  • M

    N/A

  • N

    N/A


† Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,180 in 2016 before your Medigap plan pays anything.


‡ 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 N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
You live in Massachusetts, Minnesota, or Wisconsin

If you live in one of these 3 states, Medigap policies are standardized in a different way:
Massachusetts
Minnesota
Wisconsin

Any one of these plans can be used to pay for expenses incurred under Original Medicare.

Medicare Supplement insurance pays a share of your expenses after Medicare pays. Medicare Supplement plans have a monthly premium that must be paid in addition to the Medicare Part B monthly premium.

To be eligible for a Medicare Supplement, you must already have Original Medicare. You can apply for a Medicare Supplement insurance policy even if you have a Medicare Advantage plan (Medicare Part C).

Medicare Supplement plans have continuous coverage, as long as you pay your monthly premium. You can only apply for these plans when you first become eligible and during the open enrollment period.

Comprehensive Medicare Coverage on a Fixed Budget

Get the convenient care you need, without the added out-of-pocket expenses left by gaps in Original Medicare. With the right plan, you can keep the doctors you know and trust while enjoying secure benefits that won’t change, at a foreseeable low cost.

Save More with an Experienced Agent

AGA Medicare Options strives to help Medicare beneficiaries get their best health care coverage, at a cost that makes sense. Our Licensed Agents know that quality of service matters. That’s why we team up with you to understand your provider preferences and requirements. We work with you to understand all your unique healthcare needs to make sure you keep the coverage you want, with the provider you trust–without draining your income.

Our friendly agents are here to help you navigate through your enrollment and choose the plan that works best for you, even as your budget and coverage needs change each year.

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

  • A

    Yes

  • B

    Yes

  • C

    Yes

  • D

    Yes

  • F*

    Yes

  • G

    Yes

  • K

    Yes

  • L

    Yes

  • M

    Yes

  • N

    Yes

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