Medicare Supplement Plan Comparison

There are 10 lettered Medicare Supplement plans to compare. 12 if you count the high-deductible versions of Plans F and G. 

If you are trying to determine the difference between all of them, we have compiled the list for you so you can better understand what the plans have to offer.

Medicare Supplement Plan A

Plan A covers the 20% copay for outpatient medical care Medicare leaves you with. 

It also covers the first three pints of blood if you were to need a transfusion. 

Medicare Supplement Plan B

Medigap Plan B also covers the 20% copay for outpatient medical care Medicare requires you to pay. 

Additionally, it pays for the first three pints of blood if you were to need a transfusion and Medicare Part A’s deductible.

Medicare Supplement Plan C

Medigap Plan C takes care of all of Medicare’s coinsurance or copayments, deductibles, the first three pints of blood of a transfusion, skilled nursing facility coinsurance, and 80% of a foreign travel emergency. 

It is important to note that those who turn 65 after January 1, 2020 are not allowed to purchase this plan because it covers Part B’s deductible. 

Medicare Supplement Plan D

Plan D covers the 20% coinsurance for outpatient medical care. 

It also covers the first three pints of blood if you were to need a transfusion, hospice care, skilled nursing facility coinsurance, and Medicare Part A’s deductible.  

Medicare Supplement Plan F

Medicare Supplement Plan F is the most comprehensive Supplement Plan.

However, because of the Medicare Access and CHIP Reauthorization Act of 2015, those who turned 65 before January 1, 2020 are the only ones eligible to purchase it because it covers Medicare Part B’s deductible. 

If you are one of those who are still eligible to purchase this plan, it covers 100% of all of your copay/coinsurance and deductibles associated with Medicare. 

High Deductible Plan F

The high deductible Medigap Plan F offers the same coverage as “normal” Plan F, but has a $2,340 deductible (in 2020) to meet before it starts covering all of your coinsurance.

It too is unavailable to anyone who turned 65 in 2020.

 

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Medigap Plan G

Plan G covers 100% of the copays/coinsurance, deductibles, and excess charges other than Part B’s deductible.  

Medicare Supplement Plan G now offers the most comprehensive coverage out of all the supplements because of the Medicare Access and CHIP Reauthorization Act of 2015. 

That law states those who turned 65 after January 1, 2020 cannot purchase Plan F because it covers Medicare Part B’s deductible.

High Deductible Plan G

High-deductible Plan G provides the same coverage as “normal” Plan G but comes with a $2,340 deductible (in 2020). 

Medicare Supplement Plan K

Medicare Supplement Plan K pays 100% of your Medicare Part A coinsurance responsibility, and pays 50% of your Part B coinsurance, first three pints of blood in a transfusion, your hospice care coinsurance, skilled nursing facility coinsurance, and Medicare Part A’s deductible. 

Medicare Supplement Plan L 

Medicare Supplement Plan L covers 100% of your Medicare Part A coinsurance responsibility, and it pays 75% of your Part B coinsurance, first three pints of blood in a transfusion, your hospice care coinsurance, skilled nursing facility coinsurance, and Medicare Part A’s deductible. It also features an annual out-of-pocket maximum limit of $2,940 in 2020.

Medicare Supplement Plan M

Medicare Supplement Plan M pays 100% of all of Medicare Parts A and B’s coinsurance requirements. 

It also covers 50% of Part A’s deductible. 

Medicare Supplement Plan N

Medicare Supplement Plan N covers 100% of all of Medicare’s coinsurance requirements and your Part A deductible. 

However, with Plan N you’ll pay $20 copay for some doctor’s office visits and up to a $50 copay for emergency room visits if you aren’t admitted as an inpatient.