Medicare Supplement Plans Made Simple
Benefits Offered by Each Medigap Plan
Compare the benefits of each lettered plan to help you find one that meets your needs now and in the future. You might not be able to switch Medigap policies later.
Notes:
*Plan F & Plan G also offer a high deductible plan in some states.
*Plan K & Plan L show how much they’ll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet these amounts, the plan will pay 100% of your costs for approved services.
*Plan N pays 100% of the costs of Part B services, except for copays for some office visits and some emergency room visits.
If you live in Massachusetts, Minnesota, or Wisconsin, your state offers different standardized plans.
Medigap in Massachusetts
In Massachusetts, Medigap policies are standardized in a different way and offer these basic benefits:
-Inpatient hospital costs
-Medical costs
-Blood
-Part A hospice coinsurance or copayment
This chart shows basic information about the benefits Medigap policies in Massachusetts cover.
Medigap in Minnesota
In Minnesota, Medigap policies are standardized in a different way and offer these basic benefits:
-Inpatient hospital costs
-Medical costs
-Blood
-Part A hospice and respite cost sharing
-Parts A & B home health services and supplies cost sharing
This chart shows basic information about the benefits Medigap policies in Minnesota cover.
Medigap in Wisconsin
There’s only 1 Medigap plan available if you live in Wisconsin.
What’s covered?
The Part A coinsurance or copayment for:
-Inpatient hospital care
-Skilled nursing facility care
-Hospice care
-175 days of inpatient mental health care per lifetime, in addition to what Medicare covers
-40 home health care visits, in addition to what Medicare covers
-The Part B coinsurance (generally 20% of the Medicare-approved amount) for medical costs
-3 pints of blood each year
-Benefits that Wisconsin must offer (known as state-mandated benefits)
Note: Plans known as “50% and 25% Cost-sharing Plans” are available. These plans are similar to standardized Plans K (50%) and L (25%). A high-deductible plan is also available.
Important Plan Information
Insurance companies can add more coverage to the Medigap policy. You may choose any or all of these options to design a Medigap policy that meets your needs:
-Part A deductible
-Additional home health care (365 visits including those paid by Medicare)
-Part B deductible
-Part B excess charge
-Foreign travel emergency care
-50% Part A deductible
-Part B copayment or coinsurance
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