Medicare Supplement Plans

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Medicare Plan Benefits


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  • Medicare Supplement Plan A

    Medicare Supplement Plan A

    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services.
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
  • Medicare Supplement Plan B

    Medicare Supplement Plan B

    • Hospital Deductible (Medicare Part A Deductible): $1,156 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services).
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
  • Medicare Supplement Plan C

    Medicare Supplement Plan C

    • Hospital Deductible (Medicare Part A Deductible): $1,156 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Deductible (Medicare Part B Deductible): $140 benefit
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services).
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $144.50 per day for the 21st thru 100th day.
    • Foreign Travel Benefit: After $250 deductible, covers 80% up to a lifetime maximum benefit of $50,000.
  • Medicare Supplement Plan D

    Medicare Supplement Plan D

    • Hospital Deductible (Medicare Part A Deductible): $1,156 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services).
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $144.50 per day for the 21st thru 100th day.
    • Foreign Travel Benefit: After $250 deductible, covers 80% up to a lifetime maximum benefit of $50,000.
  • Medicare Supplement Plan F

    Medicare Supplement Plan F

    Medicare Supplement Plan F is the most popular and the most comprehensive plan available. This plan is standardized by the Center for Medicare Services, which means every insurance company who offers this plan has to offer the exact same benefits. Therefore, it is extremely important to compare quotes from multiple insurance companies to find the most affordable option.

    Medicare Supplement F is one of the only two Medicare Supplement Insurance plans that covers Part B Excess charges. This is extremely important to remember as Medicare reimbursement to health care providers is declining. With reduction in payment, doctors are beginning to not accept Medicare assignment, which means they can charge 15% above the Medicare approved amount. This additional 15% is referred to as Part B excess charges, and Medicare Supplement F & G are the only two standardized Medicare Supplement Plans that include this benefit. People who purchase Medicare Supplement Plan F rarely have any out of pocket expenses for medical charges.

    • Hospital Deductible (Medicare Part A Deductible): $1,156 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Deductible (Medicare Part B Deductible): $140 benefit
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services).

    Medicare Part B Excess Charges (Above Medicare Approved Amounts):

    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $144.50 per day for the 21st thru 100th day.
    • Foreign Travel Benefit: After $250 deductible, covers 80% up to a lifetime maximum benefit of $50,000.
  • Medicare Supplement Plan G

    Medicare Supplement Plan G

    Medicare Supplement Plan G is one of the most affordable options available. People who purchase this plan have to pay the Medicare Part B deductible, but generally the savings generated from the low monthly premium more than make up for this expense.

    • Hospital Deductible (Medicare Part A Deductible): $1,156 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services).

    Medicare Part B Excess Charges (Above Medicare Approved Amounts):

    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $144.50 per day for the 21st thru 100th day.
    • Foreign Travel Benefit: After $250 deductible, covers 80% up to a lifetime maximum benefit of $50,000.
  • Medicare Supplement Plan K

    Medicare Supplement Plan K

    • Hospital Deductible (Medicare Part A Deductible): 50% – $578 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 10% of Medicare-approved expenses) or co-payments for hospital outpatient services). You will be responsible for the remaining 10%.
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: 50% Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $72.25 per day for the 21st thru 100th day.
    • Out of Pocket Limit: $4,660; paid at 100% after limit reached.
  • Medicare Supplement Plan L

    Medicare Supplement Plan L

    • Hospital Deductible (Medicare Part A Deductible): 75% – $867 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 15% of Medicare-approved expenses) or co-payments for hospital outpatient services). You will be responsible for the remaining 5%.
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: 75% Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $108.38 per day for the 21st thru 100th day.
    • Out of Pocket Limit: $2,330; paid at 100% after limit reached.
  • Medicare Supplement Plan M

    Medicare Supplement Plan M

    • Hospital Deductible (Medicare Part A Deductible): 50% – $578 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Part B co-insurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services).
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $144.50 per day for the 21st through the 100th day.
    • Foreign Travel Benefit: After $250 deductible, covers 80% up to a lifetime maximum benefit of $50,000.
  • Medicare Supplement Plan N

    Medicare Supplement Plan N

    • Hospital Deductible (Medicare Part A Deductible): $1,156 benefit
    • Hospitalization: Part A co-insurance (20%) plus coverage for 365 additional days after Medicare benefits end.
    • Medical Expenses: Plan pays balance other than up to $20 per office visit and up to $50 per emergency room visit. The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.
    • Blood: Plan pays first 3 pints of blood each year.
    • Hospice: Part A coinsurance
    • Skilled Nursing Facility Co-insurance: Plan pays up to $144.50 per day for the 21st through 100th day.
    • Foreign Travel Benefit: After $250 deductible, covers 80% up to a lifetime maximum benefit of $50,000.

 

Comparison of 10 Standardized Medicare Supplement Plans

Medicare Pays Medicare Supplement Plans Pay Plan A Plan B Plan C Plan D Plan F Plan G Plan N
Medicare Part A – Inpatient hospital benefit
First 60 days All but $1,184 $1,184 deductible x x x x x x
Coinsurance 61-90 days All but $296/day $296/day x x x x x x x
Coinsurance 91-150 days All but $592/day $592/day x x x x x x x
After Day 150 up to an additional365 days in your lifetime Nothing 100% of eligible expenses x x x x x x x
Blood benefit All but 1st 3 pints First 3 pints x x x x x x x
Skilled Nursing Facility Care
First 20 days 100% Nothing
Coinsurance 21-100 days All but $148 / day $148 / day x x x x x x
Medicare Part B: Physician Services & Supplies
Annual deductible Nothing entire deductible $147 x x
Coinsurance Generally 80% Generally 20% x x x x x x x*
Blood benefit All but 1st 3 pints First 3 pints x x x x x x x
Excess benefits Nothing 100% of eligible expenses x x
Additional Benefits
Foreign Travel Nothing 80% of eligible expenses up to a lifetime maximum of $50,000 after a $250 annual deductible x x x x x x
Hospice Benefit All but very limited copayment / coinsurance for outpatient drugs and inpatient respite care Medicare copayment / coinsurance x x x x x x x
* Plan N pays the balance of the Part B coinsurance except for up to a $20 copayment per office visit and up to a $50 copayment per emergency room visit.