Medigap Plans Comparison Guide

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Original Medicare consists of two parts. Medicare Part A provides coverage for inpatient hospital care, and Part B offers medical insurance benefits. There are a number of out-of-pocket costs not covered by Original Medicare, such as deductibles, copays and coinsurance. Medicare Supplement Insurance plans (also called Medigap) can help cover some of these costs.

Learn more about your Medicare benefits options and compare Medicare Supplement Insurance plans to find the right coverage for your needs.

Compare Medicare Part A and Part B

Part A and Part B of Original Medicare cover many health care costs for millions of U.S. citizens and legal permanent residents who are age 65 or older. Some people may qualify for Medicare health plan benefits before age 65 if they have a disability or qualifying condition such as ALS or End Stage Renal Disease.

Medicare Part A covers:

  • Hospital care
  • Nursing home care
  • Skilled nursing facility care
  • Home health services
  • Hospice care

Medicare Part B covers:

  • Health care services and medical supplies that are necessary in order to diagnose or treat a medical condition
  • Services to prevent or detect an illness or a condition at an early stage

Medicare beneficiaries are required to pay deductibles, copays and coinsurance as part of receiving their benefits.

Medicare Advantage Plans

Medicare Advantage plans are sold by private insurance companies. These plans are an alternative to Original Medicare, but provide at least the same benefits as Part A and Part B. They may also provide additional benefits, such as prescription drugs and dental and vision coverage. Medicare Advantage plan costs, coverage and availability will vary based on your location and the provider you choose.

Compare Medicare Supplement Insurance Plans

Medicare Supplement Insurance plans work alongside your Original Medicare benefits to help fill in the gaps in your coverage. There are 10 standardized Medigap plan types that are sold in most states by private insurers. Availability and cost can vary by state.

All Medigap plans must offer the following four basic benefits:

  • Part A coinsurance for hospital care
  • Part A coinsurance or copayment for hospice care
  • Part B coinsurance or copayment
  • First three pints of blood

Each type of Medigap plan offers a different combination of these and additional basic benefits. Compare Medigap plans with the chart below to find the policy that meets your needs.

2017 Medigap Plans Chart

Insurance companies that sell Medigap policies aren’t required to offer every type of plan option. However, every company that sells Medicare Supplement Insurance plans must offer Medigap Plan A and either Plan C or Plan F.

The earliest time you can purchase a Medigap plan is during your Medigap open enrollment period, which begins when you turn 65 and have enrolled in Medicare Part B. Your Medigap open enrollment period lasts for only six months.

Finding the right Medicare Supplement Insurance plan can lower your out-of-pocket costs and improve your health care coverage. To learn more about your Medicare Supplement Insurance plan options and to discuss which policy meets your needs, connect with a licensed agent today. Call 888-264-0148 to speak with a licensed agent or read through our guide 10 Medicare Mistakes You Could Be Making to learn more.

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Sources:

Medicare.gov: www.medicare.gov/what-medicare-covers/part-a/what-part-a-covers
Medicare.gov: www.medicare.gov/what-medicare-covers/part-b/what-medicare-part-b-covers
Medicare.gov: www.medicare.gov/
Medicare.gov: www.medicare.gov/sign-up-change-plans/medicare-health-plans/medicare-advantage-plans/medicare-advantage-plans
Medicare.gov: www.medicare.gov/supplement-other-insurance/compare-medigap/compare-medigap
Medicare.gov: www.medicare.gov/supplement-other-insurance/when-can-i-buy-medigap/when-can-i-buy-medigap

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