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 Different Medicare Supplement Plans?

What are the Different Medicare Supplement Plans?

There are 10 Standard Medicare Supplement plans. 

Note: Some Medicare Supplement health care companies offer a “high deductible option” on plans G and F.

Every Medicare Supplement plan has to follow the guidelines created by Medicare itself when it standardized all plans in 1990.  Each standardized plan is identified by a letter and these lettered policies provide the same set of benefits from company to company.

Each plan features different coverage options at different costs—you may compare these plans to choose the best one for you.

Medicare does not cover the first 3 pints of blood you may need each year. However, all Medicare Supplemental plans cover the 3 pints of blood you may require each year – and then Medicare will pay for any additional blood.

Plans C, D, F, G, M, and N cover up to 80% of coverage of a foreign travel emergency.

Plans F and G also have high-deductible options. This means that you will pay a higher yearly deductible to have a significantly lower monthly premium fee.

Medicare supplements cover the additional costs of Original Medicare. Under Original Medicare alone, you may have to pay out-of-pocket for certain healthcare costs. A Medigap plan takes away this stress.

Medicare supplements do not provide additional benefits like Medicare Advantage. They do, however, cover costs that may not be covered by Original Medicare, such as copayments, coinsurance, or deductibles.

These plans cover from 50% to 100% of:

  • Medicare Part A coinsurance 

  • Medicare Part B coinsurance

  • Blood (first three pints)

  • Part A hospice care coinsurance

  • Skilled nursing facility coinsurance

  • Medicare Part A deductible

  • Medicare Part B deductible

  • Medicare Part B excess charges

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