top of page

What is Not Covered by Medicare Supplement Plans?


Choosing a Medicare Supplement

Since Medigap plans are standardized, you will know exactly which benefits you are purchasing. All Medicare plans with the same letter designation cover the same benefits – no matter what carrier is offering it. For example, all plan F policies cover up to part B excess chargers. The premium may vary from carrier to carrier.

All Medicare Supplement plans are guaranteed renewable.  Therefore, you don’t have to reapply each year. Before you choose your Supplement, you will want to know more about each insurance carrier, as their prices may vary. 

It is important to research your options and compare plans before deciding which is best suited for you. Every Medicare Supplement policy offers different benefits. For example, some plans may include deductibles and coinsurance while other plans cover some home health care and prescription drugs.

A deductible is an amount you pay for health care before Medicare begins to pay; while coinsurance covers the amount you pay for your care after you pay the deductible.

Typically, the plans that are most requested are the Medicare Supplement F, G, and N plans.

What is a Medicare Supplement Plan F?

Medicare Supplement Plan F is one of the most popular Supplements in the nation. It pays 100% of the costs that Medicare would normally bill to you. This means that when you have Medicare Supplement Plan F, you will not pay any deductibles. You will pay no copays. Plan F will pay ALL of your share. (Note: Plans C & F are no longer available for those newly eligible for Medicare beginning 1/1/20)

What is a Medicare Supplement Plan G?

Medicare Supplement Plan G has become quite popular recently as it functions exactly like Plan F, except for the Part B deductible. You agree to pay the Part B deductible each year, and after that, it pays everything else.  The Part B deductible for 2021 is $203.

What is Medicare Supplement Plan N?

Medicare Supplement Plan N is one of the newer Medigap plans. It was first offered in 2010. Plan N will usually have lower premiums than Plan F or Plan G. However, you will have some cost-sharing along the way. You will pay a doctor copay up to $20 each time you see a doctor, as well as up to $50 for an E.R. visit.
You will also pay excess charges. Some doctors bill an extra 15% above Medicare’s rate, this is called an Excess Charge. Plan F or Plan G take care of this for you; however, on Plan N, you pay the excess charge yourself.​
What is Not Covered by Medicare Supplement Plans?
Medicare Supplements only pay after Medicare has first paid its share. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement plan.

Medicare Supplement plans do not cover the following: 
Vision Care
Dental Care
Hearing Aids
All Prescription Drugs

Long-term care to help you bathe, dress, eat or use the bathroom
bottom of page