Medigap Plans - Commonly referred to as Medicare Supplement Plans

 

Medigap insurance policies are private plans, available from insurance companies or through brokers, but not directly from the government.

 

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Medigap insurance plans are designed to cover the gaps in coverage left over by Medicare Part A and Medicare Part B, which together are known as traditional Medicare. 

Commonly known as Medicare Supplement Plans, they are standardized in most states to options lettered A-N.  Click on a link below to learn more about each specific plan: 

Medigap Plan A: Covers Basic Benefits that are included in all other plans. 

Medigap Plan B:  Covers the Basic Benefits in Medicare Supplement Plan A plus S the Medicare Part A hospital deductible. 

Medigap Plan C: Covers everything in Medicare Supplement Plan B plus the annual Part B Deductible, killed Nursing Co-Insurance and Foreign Travel Emergencies.

Medigap Plan D:  Covers everything offered in Medicare Supplement Plan C without coverage for the Medicare Part B Deductible. 

Medigap Plan E:  Medicare Supplement Plan E has been discontinued.

Medigap Plan F: Covers everying in Medicare Supplement Plan C plus Part B Excess Charges.  It is often called the 100% plan and is described as paying "everything."

Medigap Plan G: Covers everything that Medicare Supplement Plan F covers but not the annual Medicare Part B deductible. 

Medigap Plan H:  Medicare Supplement Plan H has been discontinued.

Medigap Plan I:   Medicare Supplement Plan I has been discontinued.

Medigap Plan J:  Medicare Supplement Plan J has been discontinued.

Medigap Plan K: Pays 50% of gaps with a an annual maximum out of pocket limit.  Click for more details. 

Medigap Plan L: Pays 75% of gaps with a an annual maximum out of pocket limit.  Click for more details. 

Medigap Plan M: Covers most gaps but has 50% of the Medicare Part A Deductible. 

Medigap Plan N: Covers most gaps but with minor copays and no coverage for Medicare Part B Excess Charges. 


*Plans C and F are no longer available to new Medicare enrollees and offer high deductible versions in some states. 

 

Finding the Right Plan
 

To determind which Medicare Supplement Insurance Plan is best for you, and to compare rates between over 30 Medigap Insurance companies for all offered plans, you can use the tools on this site or, better yet just remember that: 
 

Medicare is easy when you call and get a Guru, CALL( 844) MY-GURUS, get a Medicare Guru.





 


Posted 8 months ago
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