Your Online Resource for Medicare Insurance: Guiding you along the maze of Medicare

Medicare Supplement Plans

Insurance companies can only sell you a “standardized” Medigap policy. These Medigap policies must all have specific benefits so you can compare them easily. The chart below shows the benefits provided by each Medicare Supplement Plan.

Basic Benefits

  • Part A hospital coinsurance
  • Part A extended hospital coverage (365 days after Medicare benefits end)
  • Part A hospice coinsurance
  • Part B coinsurance
  • Parts A and B first three pints of blood

Modernized Medigap Benefits (Effective June 1, 2010)

The following chart provides a checklist of benefits by each plan so you can become more familiar with them. The current plans will no longer be available for new businesses on June 1, 2010.

Medigap Plan Benefits A B C D F* G K L M** N**
Basic Benefits:
Hospitalization & Preventative Care
x x x x x x x x x x
Basic Benefits:
All Other
x x x x x x 50% 75% x x***
Part A Deductible   x x x x x 50% 75% 50% x
Skilled Nursing Coinsurance     x x x x 50% 75% x x
Part B Deductible     x   x          
Part B Excess Charges Benefits         x x        
Foreign Travel Emergency     x x x x     x x
Out-of-Pocket Annual Limit             x x    

* There is also a high-deductible Plan F.
** Feature higher cost-sharing and lower anticipated premiums
*** Insured pays up to $20.00 copay for office visit, $50.00 copay for emergency room visit

Hospice Benefit

Today, Medicare offers a hospice benefit that pays eligible expenses with a drug copay and inpatient respite care coinsurance, but these are not covered by Medicare supplement plans.

The modernized plans will cover these expenses as a core benefit:
  • $5.00 copay for outpatient prescription drugs for pain and symptom management
  • 5% of the Medicare-approved amount for inpatient respite care (short term care given by another caregiver, so the usual caregiver can rest). Does not include room and board.
Remember, if you are married, you and your spouse will both need a separate policy.