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2019 Medicare Supplement Insurance Plans: Which is Right For You?

Medicare Supplement Insurance (Medigap) plans help cover some of the out-of-pocket costs of Medicare Part A and Part B (Original Medicare), such as deductibles, coinsurance and copayments.

There are 10 standardized Medigap plans in most states, labeled A, B, C, D, F, G, K, L, M and N. Deciding on the best option for you depends on the number of benefits you’d like, as well as your budget.

All 10 standardized Medigap plans provide at least partial coverage for:

  • Medicare Part A coinsurance and hospital costs
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Part A hospice care coinsurance or copayment

Beyond these four benefit areas, each Medigap plan may offer coverage for one or more of the following:

  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency costs

The chart below shows a side-by-side comparison of all 10 standardized Medigap plans.

Medicare Supplement Benefits A B C D F1 G K2 L3 M N4
Part A co-insurance and hospital costs
Part B co-insurance or co-payment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
MedicarePart B deductible              
Medicare Part B excess charges              
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plan F offers a high-deductible plan. This plan requires you to pay a $2,300 deductible in 2019 before it covers anything.
2. Plan K has an out-of-pocket yearly limit of $5,560 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3. Plan L has an out-of-pocket yearly limit of $2,780 in 2019. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
4. 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 an inpatient admission.

 

Costs

The cost of a Medigap plan typically corresponds with the level of coverage it offers. So, plans that cover fewer benefit areas (such as Plan A and Plan B) typically cost less than plans that cover more benefit areas (such as Plan F and Plan G). Specific costs will vary by insurance company and plan.

When to Enroll

The best time to enroll in Medicare Supplement Insurance is during your six-month Medigap Open Enrollment Period, which begins the month in which you are both 65 years or older and enrolled in Medicare Part B.

If you enroll in a Medicare Supplement Insurance plan outside of your Medigap Open Enrollment Period, you could end up paying more for your Medigap plan because insurers can use medical underwriting to determine how much to charge you. If you enroll in a Medigap plan within your Medigap Open Enrollment Period, insurers cannot use medical underwriting to determine the price of your plan or deny you coverage due to your health or medical history.

Finding the Right Plan

A licensed insurance agent can help you find Medigap plans in your area and match you with one that works for you. Speak with a licensed insurance agent now at 1-866-359-2759.

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