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The Benefits of Medicare Supplement Insurance Plans

Medicare Supplement Insurance (also called Medigap) can help cover the costs of deductibles, copayments, coinsurance and other fees associated with Original Medicare (Part A and Part B). Compare the basic benefits of the 10 standardized Medigap plans listed below to find the right plan for your needs.

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%
Medicare Part 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.

Medicare Supplement Insurance Covers Some Out-of-Pocket Costs

Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) offer benefits that help cover services such as hospital stays, doctor visits and preventive care — but they often come at a price.

  • Medicare Part A Costs
    Medicare Part A is premium-free for most people, but if you or your spouse did not pay Medicare taxes while working, you may be responsible for a premium up to $437 every month in 2019. The Medicare Part A deductible is $1,364 per benefit period in 2019, and you may have to pay coinsurance fees for hospital stays that last longer than 60 days.

  • Medicare Part B Costs
    Medicare Part B has an annual deductible that is $185 in 2019. After you meet your Part B deductible, you are typically responsible for 20 percent of the costs for Medicare-approved services.  

Medicare Part B also comes with a monthly premium. The standard Part B premium in 2019 is $135.50 per month.

Medicare Supplement Insurance can help cover some of these costs:

  • Medicare Part A coinsurance and hospital costs
  • Part A hospice care coinsurance or copayment
  • Medicare Part B coinsurance or copayment
  • First 3 pints of blood
  • Coinsurance for skilled nursing facility
  • Medicare Part A deductible        
  • Medicare Part B deductible
  • Medicare Part B excess charge
  • Foreign travel emergency

Each of the nine Medigap health insurance plans cover the first four basic benefits listed above. Plans may cover some, all or none of the five additional benefits — partially or in full.

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