Medigap – Medicare Supplement Insurance

Medigap Plans
Part A Hospital Co-insurance Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
365 Hospital Reserve Days Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B co-insurance/co-payment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood Benefit (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Hospice coinsurance/co-pay Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled Nursing Facility 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 Benefit No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit N/A N/A N/A N/A N/A N/A $6,620 $3,310 N/A N/A

You can click on any of the plan letters above to learn more about the specific plan. Please note the following when referencing the chart above:

  • Plan F also offers a high-deductible plan which means before your Medigap plan pays anything, you will pay for Medicare-covered costs up to the deductible of $2,490 in 2022.
  • The out-of-pocket limit is the amount you must pay in addition to your yearly Part B deductible before your Medigap plan kicks in and pays 100% of covered services for the rest of the year.
  • Out-of-pocket limits reflect 2022 costs.
  • Plan N does not pay for the co-payment of up to $20 for some office visits, or up to $50 co-payments for some emergency room visits.
  • Medigap plans are standardized in a different way in Massachusetts, Minnesota, and Wisconsin.

What is Medigap?

A Medigap enrollment form and some cashMedigap is Medicare supplement insurance, which can help pay for health care costs that Medicare Parts A and B don’t cover. You will usually have to have Medicare Part A and Part B to buy a  Medigap policy. Medigap policies cannot be obtained with Medicare Advantage. Medigap insurance is provided by private health insurance companies such as Blue Cross and Blue Shield, HealthNet, and Humana. A Medicare supplement policy must follow Federal and state laws. In most states, there are 10 different, standardized Medigap plans available, labeled with letters: A, B, C, DF, G, K, L, M, and N.

What are the eligibility and enrollment requirements?

Medicare applicants who are eligible for a Medigap policy must also enroll in Medicare Part A and Part B to receive the benefits of a Medicare supplement health insurance plan. Medigap policies contain an additional monthly premium on top of Medicare Part B. You can discuss your Medicare supplement insurance plan options with one of our licensed sales agents. They can help you sort through the choices to find a plan that best fits your needs.

Is it a family or group plan?

Medigap policies and other Medicare supplement insurance plans are not considered family or group plans. If you’re married, both you and your spouse will need to obtain a Medicare supplement insurance policy to receive the benefits. For additional Medicare and Medigap information, you can contact one of our licensed sales agents at Medicare Solutions.