Medicare Supplemental Insurance Comparison



Medicare Supplemental Insurance, also called Medigap, is health insurance offered by private companies to help cover the gaps that original Medicare doesn’t cover. To be eligible for a medicare supplement, you must first be enrolled in Medicare A and Medicare B. Before purchasing, you should first do a medicare supplemental insurance comparison to determine which policy best fits your needs.

Like many others, you are probably living on a fixed income and the Medicare out-of-pocket expenses can become too much. Having a Medigap plan will be beneficial in picking up some of these costs. The following is a medicare supplemental insurance comparison to aid you in your decision.

Medigap Plan A

Medigap Plan A covers Medicare A coinsurance, Medicare B coinsurance or co-payment, the first three pints of blood, Medicare A Hospice care coinsurance or deductible and Medicare preventative care Part B coinsurance.

Medigap Plan B

This plan has all of the same coverage as Medigap Plan A in addition to covering Medicare Part A deductible.

Medigap Plan C

Medicap Plan C covers that of Plan B and also skilled nursing facility care coinsurance and foreign travel emergency.

Medigap Plan D

This Plan is the same as Plan C except for it doesn’t cover the Medicare B deductible.

Medigap Plan F

This high deductible plan covers all of Plans A, B, and C as well as Part B excess charges. With this plan, you must pay up to $2000 before Medigap will pay.

Medigap Plan G

Medigap Plan G is much like Plan F with two differences; it is not a high deductible plan nor does it cover Medicare Part B deductible.

Medicap Plan K

Medigap Plan K has the following coverage: Part A coinsurance, Preventative Care Part B coinsurance, 50% Part B coinsurance or copayment, 50% fo the first three pints of blood, 50% of Part A hospice care coinsurance or co-payment, 50% skilled nursing facility care coinsurance, and 50% Medicare Part A deductible.

Medigap Plan L

This plan has the same exact coverage as Plan K except that Plan L covers 75% in the areas where Plan K covers only 50%.

Medigap Plan M

Medigap Plan M offers the same coverage as Plan D except it only covers 50% of the Part A deductible.

Medigap Plan N

This plan also offers the same coverage as Plan D. The only difference is that you must pay up to $20 co-payment for office visits and up to $50 in emergency room visits before the Part B coinsurance picks up.




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