Medicare Supplements

Medicare Supplement plans, commonly referred to as Medigap, fill in the “gaps” that are left behind by Original Medicare. There are ten supplement plans: A, B, C, D, F, G, K, L, M, and N. Each plan covers a certain amount of coinsurance, copayments, deductibles, and excess charges.

What do Medicare Supplements cover?

Plans A and B both provide 100% coverage for:

Medicare Part A coinsurance and hospital costs
Medicare Part A hospice coinsurance and copayment
Medicare Part B coinsurance and copayment
First three pints of blood

Plan B also offers 100% coverage for Part A’s deductible.

Plan C provides 100% coverage for:

Medicare Part A coinsurance and hospital costs
Medicare Part A hospice coinsurance and copayment
Medicare Part A deductible
Medicare Part B coinsurance and copayment
Medicare Part B deductible
First three pints of blood
Skilled Nursing Facility coinsurance
Plan C also offers 80% coverage for a foreign travel emergency

Plan D provides 100% coverage for:

Medicare Part A coinsurance and hospital costs
Medicare Part A hospice coinsurance and copayment
Medicare Part A deductible
Medicare Part B coinsurance and copayment
First three pints of blood
Skilled Nursing Facility coinsurance
Plan D also offers 80% coverage for a foreign travel emergency

Plan F provides 100% coverage for:

Medicare Part A coinsurance and hospital costs
Medicare Part A hospice coinsurance and copayment
Medicare Part A deductible
Medicare Part B coinsurance and copayment
Medicare Part B deductible
Medicare Part B excess charges
First three pints of blood
Skilled Nursing Facility coinsurance
Plan F also offers 80% coverage for a foreign travel emergency

Plan G provides 100% coverage for:

Medicare Part A coinsurance and hospital costs
Medicare Part A hospice coinsurance and copayment
Medicare Part A deductible
Medicare Part B coinsurance and copayment
Medicare Part B excess charges
First three pints of blood
Skilled Nursing Facility coinsurance
Plan G also offers 80% coverage for a foreign travel emergency

Plan K provides coverage for:

100% of Medicare Part A coinsurance and hospital costs
50% of Medicare Part A hospice coinsurance and copayment
50% of Medicare Part A deductible
50% of Medicare Part B coinsurance and copayment
50% of the first three pints of blood
50% of Skilled Nursing Facility coinsurance

Plan L provides coverage for:

100% of Medicare Part A coinsurance and hospital costs
75% of Medicare Part A hospice coinsurance and copayment
75% of Medicare Part A deductible
75% of Medicare Part B coinsurance and copayment
75% of the first three pints of blood
75% of Skilled Nursing Facility coinsurance

Plan M provides coverage for:

100% of Medicare Part A coinsurance and hospital costs
100% of Medicare Part A hospice coinsurance and copayment
50% of Medicare Part A deductible
100% of Medicare Part B coinsurance and copayment
100% of the first three pints of blood
100% of Skilled Nursing Facility coinsurance
80% coverage of a foreign travel emergency

Plan N provides coverage for:

100% of Medicare Part A coinsurance and hospital costs
100% of Medicare Part A hospice coinsurance and copayment
100% of Medicare Part A deductible
100% of Medicare Part B coinsurance and copayment
100% of the first three pints of blood
100% of Skilled Nursing Facility coinsurance
80% coverage of a foreign travel emergency

Free Consultation

By submitting this information you acknowledge licensed insurance agents may contact you by phone, email or mail will discuss Medicare Advantage Plans, Medicare Supplement Plans, or Prescription Drug Plans.

When should I enroll?

Once you are enrolled in Medicare Part B, you have a one-time enrollment period of six months to enroll in a supplement plan. During the enrollment period, you cannot be turned down due to any health reasons, nor can you be asked any health questions or charged an extra premium. However, once this enrollment period is over, you may be subjected to health questions or medical underwriting if you try to enroll at a later time