Medicare Supplement Specialists
Medicare Supplement Insurance

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Medicare Supplement Plans (A Through N)

 

Effective June 1, 2010 the federal government regulation of Medigap insurance made numerous changes to Medigap policies. These changes are as follows:

  • Basic Benefits - Starting with policies effective on or after June 1, 2010, Hospice Part A coinsurance (outpatient prescription drug co-payment and inpatient respite care coinsurance) will be covered. Plan "K" will cover 50% and Plan "L" will cover 75% of these costs.
  • Part B Coinsurance - Plans "K",  "L", and "N" will require you to pay a portion of Part B coinsurance and co-payments, which may result in lower premiums for these plans. All other Medigap policies pay them at 100%.
  • New Plans - Plans "M" and "N" are new choices.
  • Plans D and G - effective on or after June 1, 2010, Plans "D" and "G" have different benefits than those bought before June 1, 2010.
  • Plans No Longer for Sale - Plans "E", "H", "I", and "J" will no longer be sold after May 31, 2010. However, if you purchased one of these plans before June 1, 2010, you can keep that same plan.

The federal government regulation of Medigap insurance generally requires that all plans cover these services:

  • Part A coinsurance/co-payment (not the deductible) and for the cost of 365 extra days of hospital care after Medicare coverage ends.
  • Part B coinsurance (usually 20 percent of the Medicare approved payment amount).
  • The first three pints of blood.
  • Hospice Part A coinsurance (outpatient prescription drug co-payment and inpatient respite care coinsurance). Plan K will cover 50% of the costs and Plan L will cover 75%.

A Plan "A" Medigap policy will cover only the above expenses. Plans "B" through "N" offer Plan "A" benefits plus some combination of these additional benefits:

  • Coverage of your Part A deductible ($1,340 for each inpatient benefit period  in 2018).
  • Coverage for your Part A co-payment of $335 per day for hospitalization days 61 through 90 (in 2018).
  • Coverage for your Part A co-payment of $670 per day for hospitalization days 91 through 150 (while using your 60 lifetime reserve days in 2018).
  • Coverage of your Part B deductible ($183 in 2018).
  • The daily co-payment requirement for the 21st to 100th day of skilled nursing facility care ($167.50 per day in 2018).
  • 80% of medically necessary emergency care while you are in a foreign country, after you pay a $250 deductible, up to a lifetime maximum of $50,000.
  • All or part of Medicare Part B excess charges (the additional 15% providers may charge who do not accept Medicare assignment).
  • Annual out-of-pocket maximum; pays 100 percent of Medicare Part A and Medicare Part B coinsurance, co-payments, and deductibles after out-of-pocket maximum ($5,240 for Plan "K" or $2,620 for Plan "L") has been reached.

 

Medicare Supplement Plans Benefit Checklist
 
A
B
C
D
F*
G
K
L
M
N
Basic Plan (Part A Coinsurance up to an additional 365 days)
x
x
x
x
x
x
x
x
x
x
Basic Plan (Part B Coinsurance/ Co-payment; 1st 3 Pints Blood; Part A Hospice Care Coinsurance/ Co-payment)
x
x
x
x
x
x
50%
75%
x
100% except up to $20 co-pay for office visits and $50 co-pay for ER visits
Skilled Nursing Co-payment ($167.50/day for days 21 - 100 for 2018)    
x
x
x
x
50%
75%
x
x
Part A Deductible ($1,340 for 2018)  
x
x
x
x
x
50%
75%
50%
x
Part B Deductible ($183 for 2018)    
x
 
x
         
Part B Excess Charges (additional 15% for providers not accepting Medicare assignment)        
x
x
       
Foreign Travel Emergency    
x
x
x
x
   
x
x
Out-of-Pocket Maximum            
$5,240
$2,620
   

* There is also a high-deductible Plan F ($2,240 in 2018).

All 10 plans may not be offered in your state, yet all 10 are standardized and certified by the U.S. Department of Health and Human Services so that each plan provides exactly the same kind of coverage no matter what state you live in (except for Massachusetts, Minnesota, and Wisconsin, which have their own standardized plans).

 

 

 

Click on your state to view the insurance companies we're contracted with in your area.

Medicare Supplement Plans by State
Alabama Idaho Maine Nevada Oklahoma Texas
Arizona Illinois Maryland New Hampshire Oregon Utah
Arkansas Indiana Michigan New Jersey Pennsylvania Vermont
California Iowa Mississippi New York Rhode Island Virginia
Colorado Kansas Missouri North Carolina South Carolina Washington
Florida Kentucky Montana North Dakota South Dakota West Virginia
Georgia Louisiana Nebraska Ohio Tennessee Wyoming

 

 

 

Site Map

Plan A | Plan B | Plan C | Plan D | Plan F | Plan High Deductible F | Plan G | Plan K | Plan L | Plan M | Plan N

Medicare Supplement Specialists is not connected with or endorsed by the United States Government or the federal Medicare program. Copyright (c) 2018. medicaresupplementspecialists.com. All rights reserved.