Medicare Supplement Plan Comparison

Coverage

Medicare Supplement Insurance — also called Medigap — are plans sold by private carriers that help cover costs that Original Medicare doesn’t. While Medigap policies can be sold by any private insurer, they must follow a plan template set by state and federal governments. Each template offers slightly different coverage for a different monthly premium.

When Original Medicare doesn’t cover things in full, Medicare supplement plans step in to cover the additional cost. Our guide shows how much of the cost is covered by each template.

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Coverage

Medicare Part A Coinsurance and Hospital Costs

Plan A – 100%
Plan B – 100%
Plan C – 100%
Plan D – 100%
Plan F – 100%
Plan G – 100%
Plan K – 100%
Plan L – 100%
Plan M – 100%
Plan N – 100%

Medicare Part B Coinsurance or Copayment

Plan A – 100%
Plan B – 100%
Plan C – 100%
Plan D – 100%
Plan F – 100%
Plan G – 100%
Plan K – 50%
Plan L – 75%
Plan M – 100%
Plan N – 100%

First 3 Units of Blood

Plan A – 100%
Plan B – 100%
Plan C – 100%
Plan D – 100%
Plan F – 100%
Plan G – 100%
Plan K – 50%
Plan L – 75%
Plan M – 100%
Plan N – 100%

Skilled Nursing Facility Care Coinsurance

Plan A – 0%
Plan B – 0%
Plan C – 100%
Plan D – 100%
Plan F – 100%
Plan G – 100%
Plan K – 50%
Plan L – 75%
Plan M – 100%
Plan N – 100%

Part A Deductible

Plan A – 0%
Plan B – 100%
Plan C – 100%
Plan D – 100%
Plan F – 100%
Plan G – 100%
Plan K – 50%
Plan L – 75%
Plan M – 50%
Plan N – 100%

Part B Deductible

Plan A – 0%
Plan B – 0%
Plan C – 100%
Plan D – 0%
Plan F – 100%
Plan G – 0%
Plan K – 0%
Plan L – 0%
Plan M – 0%
Plan N – 0%

Part B Excess Charges

Plan A – 0%
Plan B – 0%
Plan C – 0%
Plan D – 0%
Plan F – 100%
Plan G – 100%
Plan K – 0%
Plan L – 0%
Plan M – 0%
Plan N – 0%

Foreign Travel Emergency

Plan A – 0%
Plan B – 0%
Plan C – 80%
Plan D – 80%
Plan F – 80%
Plan G – 80%
Plan K – 0%
Plan L – 0%
Plan M – 80%
Plan N – 80%

Out of Pocket Limit (2020)

Plan A – No limit
Plan B – No limit
Plan C – No limit
Plan D – No limit
Plan F – No limit
Plan G – No limit
Plan K – $5880
Plan L – $2940
Plan M – No limit
Plan N – No limit

Plans F and C are no longer offered to people who are newly eligible for Medicare beginning January 1, 2020.

Additionally, Plans F and G also offer high deductible plans in some states.

Lastly, Plan N pays only a portion of the Part B coinsurance. You still have to pay a copayment of up to $20 for office visits and up to $50 for emergency room visits that don’t result in you being hospitalized.

For all your Medicare and Medigap questions, call Modern Senior Benefits today.