Whether you're interested in comparing Medicare Supplement plans during the Annual Enrollment Period - or you're enrolling in Medigap for the first time - there is a lot to consider when determining the right coverage for your needs.
United Medicare Advisors will walk you through the Medigap plans you may consider, including the most popular Medigap plans, and provide you with some clear, concise tips as you evaluate your coverage needs for the year ahead.
You will notice that some of the benefits listed on the left side of Medicare Supplement comparison charts are shared by all Medigap plans. That's because all Medigap policies must legally provide some basic benefits. However, some policies offer additional benefits that are also listed on any Medicare Supplemental Insurance comparison chart.
Most states have 10 standardized Medicare Supplement plans. Medicare supplement plans are standardized in a different way in Massachusetts, Minnesota, and Wisconsin. Regardless of the state, you'll usually see the plans referred to by letters of the alphabet (Plan A, Plan B etc.).
The chart below shows the benefits included in each of the standardized Medicare Supplement plans. Some plans may not be available in your area. Only applicants first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F. (✓ = 100% of benefit is paid)
| BENEFITS | PLANS AVAILABLE TO ALL APPLICANTS | ELIGIBLE BEFORE 2020 ONLY |
||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| A | B | D | G1 | K | L | M | N | C | F1 | |
| Medicare Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used up) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Medicare Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓3 | ✓ | ✓ |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Part A hospice care coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ |
| Skilled nursing facility coinsurance | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | ✓ | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency (up to plan limits) | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| Out-of-pocket limit in 20262 | $8,0002 | $4,0002 | ||||||||
1 — Plans F and G also have a high deductible option which require first paying a plan deductible of $2,950 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plans F and G count your payment of the Medicare Part B deductible toward meeting the plan deductible.
2 — Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
3 — Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in an inpatient admission.
Popular Medicare Supplement Plans
Medigap plan popularity can vary by region and individual preferences. However, if you're looking to compare some of the most popular Medigap plans overall, you should draw your attention to Medigap Plans F, G and N. The main reason these plans are so popular is because they provide some of the most comprehensive coverage among all Medigap plans, as the table above indicates.
If you're considering these three plans, there are a few important areas to note:
Medicare Plan G is a Medicare Supplement Insurance (or Medigap) plan that helps you offset health care costs that would normally come out of your pocket. Medigap Plan G Coverage works alongside Medicare to provide this extra coverage to beneficiaries. What does Medigap Plan G Coverage cover? Medigap Plan G Coverage is popular because it […]
Medigap Plan F review When choosing a Medicare Supplement (Medigap) plan and conducting Medicare research, you may have heard that Medicare Supplement Plan F is the best plan. Is this actually the case? Is Medigap Plan F the best plan and, if so, is it the best plan for you? When considering any Medicare Supplement […]
The Medigap Plan Comparison Chart above can provide you with a good understanding of the benefits offered by each Medigap plan type. This can help you identify which plan letter appeals to you as you decide your upcoming coverage needs, whether that's during your Medigap Open Enrollment Period, Medicare's Annual Enrollment Period or any other time during the year.
Below are a few tips to help you compare Medigap plans and decide on an option for the year ahead:
Interactive Tools
Compare plan letters, estimate costs, and understand surcharges in just a few minutes.
Answer a few quick questions and get a personalized recommendation for Plan G, N, or F.
Start the quiz →Compare standardized Medigap plans side-by-side to see exactly what each plan letter covers.
View the chart →Estimate your Part B and Part D surcharges based on filing status and MAGI from two years ago.
Calculate IRMAA →Estimate late enrollment penalties for Part B and Part D and see long-term monthly cost impact.
Estimate penalties →
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PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
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