Medicare Supplements (Medigap)
- Medicare Supplements (Medigap) are plans that are available to you help pay your out-of-pocket cost sharing obligations under Medicare (for example your 20% coinsurance). The amount due as a copayment, which is a fixed dollar amount, or a coinsurance, which is a percentage of the Medicare-approved amount.
- The amount due as a copayment, which is a fixed dollar amount, or a coinsurance, which is a percentage of the Medicare-approved amount.
- They can be purchased from a private company.
- In addition to any monthly premiums, you may pay for Medicare Parts A, B and D, there are Monthly premiums to cover the costs of Medicare Supplement Plans. They vary based upon the plan you may choose.
- No matter which insurance company you decide to obtain the plan from, the benefits are standardized, and in most states named by letters, like Plan G or Plan N; the covered benefits in each lettered plan are the same.
- Medicare Supplement plans as secondary coverage to Medicare. If the Provider accepts Medicare, they will accept your plan.
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2022 Medicare Supplement (Medigap)` Plans
| Benefits | |||||||||||
| Plan A | Plan B | Plan C | Plan D | Plan F* | Plan G* | Plan K |
Plan L |
Plan M | Plan N | ||
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | |
| Part B coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes | |
| Blood (first 3 pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes | |
| Part A hospice care coinsurance or copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes | |
| Skilled nursing facility care coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes | |
| Part A deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes | |
| Part B deductible | No | No | Yes | No | Yes | No | No | No | No | No | |
| Part B
Excess charge **** |
No | No | No | No | Yes | Yes | No | No | No | No | |
| Foreign travel exchange (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% | |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $6,620 in 2022 | $3,310 in 2022 | N/A | N/A | |
* 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 $2,490 in 2022 before your policy pays anything. (Plans C and F aren’t available to people who were 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, 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.
****There are some states that do not allow any excess charges to be billed to the Medicare beneficiary. As of 2020, these states include Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont
Note: Not all plans are offered by every carrier in every market.
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