Medicare Supplement Plan Comparison
Medicare Part A and Part B do not cover all your healthcare expenses; that’s why it is crucial to be aware of all your coverage options, such as Medicare Supplements. Medicare Supplement plans are sold by Medicare-approved private insurers and cover the out-of-pocket costs that Original Medicare does not cover.
Comparing Coverage
There are ten Medicare Supplement plans available, all providing their own different levels of coverage for specific costs and services.
Medigap Plan A
- Plan A is one of the cheapest supplement plans. However, it does not offer much coverage compared to most supplement plans. Plan A covers:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
Medigap Plan B
- Medigap Plan B is similar to Plan A but with slightly more coverage:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% Part A deductible
Medigap Plan C
- Medigap Plan C does not cover Part B excess charges, but it does cover:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% skilled nursing care facility coinsurance
- 100% Part A deductible
- 100% Part B deductible
- 80% of foreign travel emergency care
Medigap Plan D
- Plan D covers similar expenses as Plan C. However, it does not cover the Part B deductible. Part D covers:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% skilled nursing care facility coinsurance
- 100% Part A deductible
- 80% of foreign travel emergency care
Medigap Plan F
- Medicare Supplement Plan F is one of the most comprehensive Medigap plans. It covers:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% skilled nursing care facility coinsurance
- 100% Part A deductible
- 100% Part B deductible
- 100% Part B excess charges
- 80% of foreign travel emergency care
Medigap Plan G
- Medigap Plan G is the second most comprehensive supplement plan. It covers:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% skilled nursing care facility coinsurance
- 100% Part A deductible
- 100% Part B excess charges
- 80% of foreign travel emergency care
Medigap Plan K
- Medigap Plan K is a cost-sharing supplement plan. It covers:
- 100% Part A coinsurance and hospital costs
- 50% Part B coinsurance and hospital costs
- 50% of the first three pints of blood used in a transfusion
- 50% Part A hospice care coinsurance and copayment
- 50% skilled nursing care facility coinsurance
- 50% Part A deductible
Medigap Plan L
- Medigap Plan L is another cost-sharing supplement plan:
- 100% Part A coinsurance and hospital costs
- 75% Part B coinsurance and hospital costs
- 75% of the first three pints of blood used in a transfusion
- 75% Part A hospice care coinsurance and copayment
- 75% skilled nursing care facility coinsurance
- 75% Part A deductible
Medigap Plan M
- Plan M covers:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% skilled nursing care facility coinsurance
- 50% Part A deductible
- 80% of foreign travel emergency care
Medigap Plan N
- Plan N covers:
- 100% Part A coinsurance and hospital costs
- 100% Part B coinsurance and hospital costs
- 100% of the first three pints of blood used in a transfusion
- 100% Part A hospice care coinsurance and copayment
- 100% skilled nursing care facility coinsurance
- 100% Part A deductible
- 80% of foreign travel emergency care
At Swisher Insurance, we are focused on providing you with affordable insurance plans. For more information, contact us today at 502-259-0780.
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