Medicare supplement plans, also known as Medigap plans, help fill in gaps in Original Medicare (Parts A & B) coverage. For an additional premium, these supplemental plans may cover copayments, coinsurance, and deductible costs.
Read on to learn more about Medigap plans, or call to speak to an agent who can help you find plans in your area.
Standard coverage and benefits across all Medicare Supplemental insurance plans:
Medigap plans generally do not cover costs associated with the following:
Benefit Coverage | Plan A | Plan B | Plan C | Plan F | Plan G | Plan K | Plan L | Plan N |
Medicare Part Acoinsurance/copayment | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Partial |
Medicare Part Bcoinsurance/copayment | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Blood (first three pints) | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Hospicecoinsurance/copayment | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Skilled nursing facility coinsurance | No | No | Yes | Yes | Yes | 50% | 75% | Yes |
Medicare Part A deductible | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
Medicare Part B deductible | No | No | Yes | Yes | No | No | No | No |
Medicare Part B excess charges | No | No | No | Yes | Yes | No | No | No |
Foreign travel emergency coverage | No | No | Yes | Yes | Yes | No | No | No |
Out-of-pocket limit | N/A | N/A | N/A | N/A | N/A | $7,060 | $3,530 | N/A |
Who is eligible for Medicare Supplemental Insurance Plans?
To be eligible for Medicare supplemental insurance plans, you must be enrolled in Original Medicare (Parts A & B) through the federal government. Your enrollment period for Medigap coverage lasts for six months after enrolling in Original Medicare for the first time.
What isn’t covered by Medigap plans?
Medicare supplemental insurance covers costs associated with Original Medicare (Parts A & B), and therefore does not cover costs associated with the additional benefits you might get from a Medicare Advantage (Part C) plan, such as the following:
When is the best time to purchase a Medigap plan?
The enrollment period for Medigap plans lasts for six months after enrolling in Original Medicare (Parts A & B) for the first time. After this period, depending upon your state, you may not be able to enroll in supplemental Medicare coverage at all, or it may come at a much higher cost.
Are my Medigap options limited based on the state I live in?
Available Medigap plans do vary by state. For example, Massachusetts, Minnesota, and Wisconsin all have their own regulations and Medigap plan types. For the most accurate information on what’s available to you where you live, speak to one of our experienced agents during your Medigap enrollment period.
Learn about the two Medicare enrollment periods that run from January through March.
When is the Medicare Annual Enrollment Period? Get answers to this and other AEP-related questions.
Get fast facts about Medicare Enrollment, including when you qualify and when to enroll.
