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Home / Resources / What Is Medicare Supplement Insurance and What Does It Cover

What Is Medicare Supplement Insurance and What Does It Cover

By Chris Gasparini

Chris Gasparini has been a licensed insurance agent since 2005. He enjoys helping Medicare beneficiaries navigate their options to find the best solution for their unique needs. Chris feels as though ...his work truly helps people. Because he represents multiple insurance companies and plan types, Chris is able to help Medicare beneficiaries find the most cost-effective plan. Every day, he leaves work knowing he did what was right for each and every client he serves.Read more

May 23, 2020

Benefits

Medigap Plans
A B C D F G K L M N
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign Travel Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $6,220 $3,110 N/A N/A

2021 Data – Table Source

You can click on any of the plan letters above to learn more about the specific plan. Please note the following when referencing the chart above:

  • Plan F also offers a high-deductible plan which means before your Medigap plan pays anything, you will pay for Medicare-covered costs up to the deductible of $2,370 in 2021.
  • The out-of-pocket limit is the amount you must pay in addition to your yearly Part B deductible before your Medigap plan kicks in and pays 100% of covered services for the rest of the year.
  • Out-of-pocket limits reflect 2021 costs.
  • Plan N does not pay for the co-payment of up to $20 for some office visits, or up to $50 co-payments for some emergency room visits.
  • Medigap plans are standardized in a different way in Massachusetts, Minnesota, and Wisconsin.

What Is Medigap?

Medigap is Medicare supplement insurance, which can help pay for healthcare costs that Medicare Parts A and B don’t cover. You will usually have to have Medicare Part A and Part B to buy a  Medigap policy. Medigap policies cannot be obtained with Medicare Advantage. Medigap insurance is provided by private health insurance companies such as Blue Cross and Blue Shield, HealthNet, and Humana. A Medicare supplement policy must follow Federal and state laws. In most states, there are 10 different, standardized Medigap plans available, labeled with letters: A, B, C, D, F, G, K. L, M, and N.

What Are the Eligibility and Enrollment Requirements?

Medicare applicants who are eligible for a Medigap policy must also enroll in Medicare Part A and Part B to receive the benefits of a Medicare supplement health insurance plan. Medigap policies contain an additional monthly premium on top of Medicare Part B. You can discuss your Medicare supplement insurance plan options with one of our licensed sales agents. They can help you sort through the choices to find a plan that best fits your needs.

Is it a Family or Group Plan?

Medigap policies and other Medicare supplement insurance plans are not considered family or group plans. If you’re married, both you and your spouse will need to obtain a Medicare supplement insurance policy to receive the benefits.

Medigap Medicare Supplement Insurance

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Originally posted on Dec 08, 2020 07:12:01

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The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.

The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.

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Last Updated 01/13/2021