Medicare Supplements

What is a Medicare Supplement?

A Medicare Supplement policy, also known as a “Medigap” policy, is private health insurance designed to supplement Original Medicare, covering costs such as, copayments, deductibles, and coinsurance.

Important Facts about Medicare Supplements

  • You must have Original Medicare (Medicare Part A and Part B)
  • Plans are standardized and can be purchased with varying coverage options
  • You pay a monthly premium for your Medicare Supplement Policy in addition to your monthly Part B premium
  • A Medicare Supplement Policy only covers one person. Spouses must buy a separate policy
  • Medicare Supplement plans have no provider networks
  • You can’t have prescription drug coverage in both your Medicare Supplement policy and a Medicare drug plan–you must have one or the other
  • You cannot buy a Medicare Supplement policy if you have a Medicare Advantage Plan. If you want to switch to a Medicare Supplement Policy you will need to disenroll from your Medicare Advantage Plan

Medicare Supplements generally cover:

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Original Medicare benefits expire
  • Medicare Part B Copayment or Coinsurance
  • Blood (First 3 pints)
  • Part A Hospice Care Copayment or Coinsurance

The chart below gives an overview of standardized Medicare Supplement Plans available in most states (Exceptions: Minnesota, Wisconsin, Massachusetts)

Medicare Supplement Plans

How to read the chart:  If a check mark appears in a column of this chart, the Medicare Supplement policy covers 100% of the described benefit. If a row lists a percentage, the policy covers that percentage of the described benefit. If a row is blank, the policy doesn’t cover that benefit.
Note: The Medicare Supplement policy covers coinsurance only after you have paid the deductible (unless your Medicare Supplement plan also covers the deductible).

Medicare Supplement Plans

Medicare Supplement Benefits

A

B

C

D

F*

G

K

L

M

N

Medicare Part A Coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)

Medicare Part B Coinsurance or Copayment

50%

75%

✓***

Blood (first 3 pints)

50%

75%

Part A Hospice Care Coinsurance or Copayment

50%

75%

Skilled Nursing Facility Care Coinsurance

50%

75%

Medicare Part A Deductible

50%

75%

50%

Medicare Part B Deductible

Medicare Part B Excess Charge

Foreign Travel Emergency
(Up to Plan Limits)

80%

80%

80%

80%

80%

80%

Out-of-pocket Limit**

$5,560

$2,780

Minnesota, Wisconsin and Massachusetts have different standardized Medicare Supplement Plans.

*Plan F also offers a high-deductible plan. If you choose this option, you must pay for Medicare-covered costs up to the deductible amount of $2,300 in 2019 before your Medicare Supplement plan pays anything.

**After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($185 in 2019), the Medicare Supplement plan pays 100% of covered services for the rest of the calendar year.

***Plan N pays 100% of the part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people with Medicare starting on January 1, 2020. If you already have either of these two plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.