Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you.
Compare Medicare Supplement plans side-by-sideThe chart below shows basic information about the different benefits Medigap policies cover.Yes = the plan covers 100% of this benefitNo = the policy doesn't cover that benefit% = the plan covers that percentage of this benefitN/A = not applicable
Medigap Benefits and Medigap Plans
A B C D F* G* K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment
Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
Blood (first 3 pints)
Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment
Skilled nursing facility care coinsurance
No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible
No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible
No No Yes No Yes No No No No No
Part B Excess charge
No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits)
No No 80% 80% 80% 80% No No 80% 80%
N/A N/A N/A N/A N/A N/A $6,620 in 2022 $3,310 in 2022 N/A N/A
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020.)** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap 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 inpatient admission. Source: www.medicare.govBy contacting the phone number on this website you will be directed to a licensed agent.