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What is Medicare Supplement Insurance?

Medicare Supplement Insurance is also called Medigap Insurance. It is insurance for those who are covered by both Medicare Part A and Part B.

Original Medicare does not cover all expenses, including copayments and deductibles. Medicare Supplement plans offer additional benefits and coverage although such plans may not cover all health care expenses. This can reduce out of pocket expenses.

Medicare Supplement policies are offered by private insurance companies. Monthly premiums for Medicare Supplement are in addition to monthly Medicare Part B premiums.

When am I eligible for Medicare Supplement Insurance?

In order to purchase Medicare Supplement Insurance, you must be over age 64.5 and covered by Medicare Part A & B. Medicare Part A & B coverage is available to individuals age 64.5 and older or disabled.

Compare Medicare Supplement Plans

When comparing Medicare Supplement Plans, know the differences in benefits and coverage before deciding on a plan. Medicare Supplement policies offer different benefit levels to meet your individual needs. This chart shows basic information about the different benefits of certain Medicare Supplement policies.

What is Medicare Supplement Insurance?

Medicare Supplement Insurance is also called Medigap Insurance. It is insurance for those who are covered by both Medicare Part A and Part B.

Original Medicare does not cover all expenses, including copayments and deductibles. Medicare Supplement plans offer additional benefits and coverage although such plans may not cover all health care expenses. This can reduce out of pocket expenses.

Medicare Supplement policies are offered by private insurance companies. Monthly premiums for Medicare Supplement are in addition to monthly Medicare Part B premiums.

When am I eligible for Medicare Supplement Insurance?

In order to purchase Medicare Supplement Insurance, you must be over age 64.5 and covered by Medicare Part A & B. Medicare Part A & B coverage is available to individuals age 64.5 and older or disabled.

Medicare Supplement BenefitsABCDF *G *KLMN
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used upYesYesYesYesYesYesYesYesYesYes
Part B coinsurance or copaymentYesYesYesYesYesYes50%75%YesYes ***
Blood (first 3 pints)YesYesYesYesYesYes50%75%YesYes
Part A hospice care coinsurance or copaymentYesYesYesYesYesYes50%75%YesYes
Skilled nursing facility care coinsuranceNoNoYesYesYesYes50%75%YesYes
Part A deductibleNoYesYesYesYesYes50%75%50%Yes
Part B deductibleNoNoYesNoYesNoNoNoNoNo
Part B excess chargeNoNoNoNoYes Yes NoNoNoNo
Foreign travel exchange (up to plan limits)NoNo80%80%80%80%NoNo80%80%
Out-of-pocket limit in 2020 **N/AN/AN/AN/AN/AN/A

$5,880

$2,940

N/AN/A
Benefit Coverage

Description

Yes

- the plan covers 100% of this benefit

No

- the policy doesn't cover that benefit

%

- the plan covers that percentage of this benefit

N/A

- Not applicable

Note: The Medigap policy covers coinsurance only after you’ve paid the deductible (unless the Medigap policy also pays the deductible).
*

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 $2,340 in 2020 before your policy pays anything. (Plans C and F aren't available to people who are 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 ($198 in 2020), 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.

How to Apply for Medicare Supplement Insurance

To apply for a Medicare Supplement Plan submit your information above. Once you have received your quote, you can apply for a policy over the phone, online or with a licensed agent. When receiving your quote, ask the licensed agent for the different options that can apply.