Medicare Supplement Plan Comparison

There are 10 Medicare Supplement Insurance plans labeled A through N. Each plan provides different amounts of coverage for the “gaps” left over by Original Medicare. Also called Medigap, Medicare Supplement plans are offered by private insurers licensed by Medicare. 

Each must have standardized coverage and plan letters regardless of which insurance company you buy them from. The sole difference among Medigap plans is the price of premium.      

Below, we have laid out the coverage of each Medigap plan so you can make a knowledgeable decision about your healthcare insurance.

Which Medicare Supplement Plan is the best?

Of the 10 plans, Medicare Supplement Plan F provides the most complete coverage. Plan F covers:

  • Skilled nursing facility coinsurance 
  • Original Medicare Part A’s deductible
  • Part B deductible, excess charges, and copayments
  • 80% of a foreign travel emergency (up to plan limits)
  • The first three pints of blood used in an approved medical procedure
  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare’s benefits are all depleted

Plan F is one of the most commonly purchased Medigap plans because it offers beneficiaries peace of mind. 

Another popular supplement plan is Plan G, which offers nearly the same coverage as Plan F. The only omission is Medicare Part B’s deductible. In 2020, this deductible is $198. 

If you can discern Plan G to be much cheaper than Plan F, consider paying the one-time Plan B deductible so you save on the monthly premium.

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What Do Medicare Supplement Plans Cover?

Below is a brief list and overview of what the different Medigap plans cover:

Medigap Plan A

Medigap Plan A, the most basic plan, covers the 20% that Original Medicare does not on Part A coinsurance and hospital costs. It also covers Part B copayment, first three pints of blood during a medical procedure, and Part A hospice care copayment. Plan A is still an efficient cost-saving policy.

Medigap Plan B

Next, Plan B covers what Plan A does: Part A coinsurance and hospital costs, Part B copayment, first three pints of blood during a medical procedure, and Part A hospice care copayment. But Plan B also pays for Medicare Part A’s deductible.

Medigap Plan C

Plan C covers all of your out-of-pocket costs associated with Original Medicare, minus Part B excess charges. It may surprise you that Plan C covers 80% of a foreign travel emergency up to plan limits. Plan C is one of the most extensive supplement plans.

Medigap Plan D

Medicare Supplement Insurance Plan D covers all of your out-of-pocket expenses associated with Original Medicare, minus Part B’s deductible and excess charges. This plan also covers 80% of a foreign travel emergency up to plan limits. 

Medigap Plan F

Plan F is the most extensive Medigap plan, and thus, one of the most popular. It covers all out-of-pocket expenses associated with Original Medicare and 80% of a foreign travel emergency up to the plan limits.  

Medigap Plan G

Medigap Plan G covers nearly all out-of-pocket expenses associated with Original Medicare and 80% of a foreign travel emergency up to plan limits. The only exclusion is Part B’s deductible. With a $198 deductible, Plan G is sometimes better than Plan F due to the monthly premium savings. 

Medigap Plan K

Plan K covers 50% of your Medicare Part B copayments, three pints of blood during a medical procedure, skilled nursing facility coinsurance, Part A hospice care copayment, and Medicare Part A’s deductible.

Medigap Plan L

Medigap Plan L covers 75% of your Medicare Part B copayments, three pints of blood during a medical procedure, skilled nursing facility coinsurance, Part A hospice care copayment, and Medicare Part A’s deductible.

Medigap Plan M

Plan M covers 100% of your Medicare Part B copayments, three pints of blood during a medical procedure, skilled nursing facility coinsurance, and Part A hospice care copayment. This plan also covers 50% of your Part A deductible and 80% of a foreign travel emergency.

Medigap Plan N

Plan N, one of the most complete supplement plans, covers all of your out-of-pocket expenses associated with Original Medicare, minus Part B’s deductible and excess charges. It may surprise you that Plan N covers 80% of a foreign travel emergency up to plan limits.  

In regards to your Medicare Part B copayments, you will only pay a $20 copay for some doctor’s visits and up to a $50 copay for emergency room visits if you are not admitted as an inpatient.

Seek Medicare Help from an Expert

If you come across a plan that looks like a great fit for you, or you need further help deciding, give us a call at 800-515-4031. The Medicare experts at Turning 65 Solutions will help you secure a plan that suits your budget and healthcare needs.