Medicare Supplements
Medicare provides seniors and those with disabilities coverage for hospital and medical necessities. This coverage comes with premiums, copayments, coinsurance, and deductibles, which may be difficult to afford on a fixed income. Supplement plans are there to help you afford the care you need.
What are Medicare Supplements?
There are ten standardized Medicare Supplement plans, lettered as A, B, C, D, F, G, K, L, M, and N. Each plan covers a different portion of expenses for Medicare Part A and Part B, which cover hospital and medical insurance. All of the plans cover Part A coinsurance and hospital costs. The other costs that have available coverage include Part B copayments and coinsurance, your first three pints of blood, Part A hospice care, skilled nursing facility care, the Part A deductible, the Part B deductible, Part B excess charges, and foreign travel emergency care.
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What are the most common plans?
Plan F is a more expensive plan with the most coverage available. It covers Part A coinsurance and hospital costs, Part B copayments and coinsurance, your first three pints of blood, Part A hospice care, skilled nursing facility care, the Part A deductible, the Part B deductible, Part B excess charges, and 80% of foreign travel emergency care. In some states, there is a high-deductible option available to those who became eligible for Medicare before January 1, 2020. This plan has the same coverage, but once you meet the deductible, everything is covered.
Plan G is similar to Plan F with slightly lower expenses and without coverage for the Part B deductible. Some states will begin offering a high-deductible Plan G for those who become eligible for Medicare after January 1, 2020. Costs, after you meet the set deductible, will be covered in full.
