Most common Medicare Supplement Plans
Each and every Medicare Supplement plan includes coverage for Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up. Here are comparisons for the rest of the coverage offered by Supplemental Medicare.
Plan F covers all out-of pocket expenses left over from both part A and B, including deductables and copayments. This plan also includes nursing facility care, hospice copay, and foreign travel.
Plan G covers all out-of pocket expenses not covered by Part A and Part B coinsurance. This plan also covers hospice coinsurance and copay, along with skilled nursing facility care coinsurance.
Plan N covers up to $20 of the doctor’s office copay and $50 of the emergency room copay. Also included in this plan is skilled nursing home facilities, Part A hospice care coinsurance and copay, and foreign travel emergencies.
|Medigap Benefits||Plan A||Plan B||Plan C||Plan D||Plan F*||Plan G||Plan K||Plan L||Plan M||Plan 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||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 exchange (up to plan limits)||No||No||80%||80%||80%||80%||No||No||80%||80%|
* 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 $2,240 in 2018 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.