Medicare Supplement Plan Chart
Ten Standardized Medigap Plans
The 10 separate Medicare Supplement (Medigap) plans have standardized benefits across each plan letter.
For example, Medigap Plan G will have the same benefits regardless of which state you live in or which insurance company from which you obtain it.
Keep in mind that because Medigap benefits are standardized by the government, the only difference between plans of the same type is the price.
In fact, on page 9 of Medicare’s annual CHOOSING A MEDIGAP POLICY HANDBOOK – 52 PAGES, it states in bold letters, “Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.”
The Medigap Plans Chart below shows the ten standardized Medigap Plans.
If a box is blank, then that benefit is not covered by that plan and you would be responsible for 100% of those costs.
Plan F is also available in a high-deductible version. With the high-deductible Plan F, you pay for all Medicare-covered costs until you reach the deductible of $2,240 in 2018 before your Medigap plan pays anything.
Plan N pays 100% of the Medicare Part B coinsurance. There are a few exceptions: Certain office visits may require a copayment of up to $20 and emergency room visits that don’t result in your being admitted as an inpatient may require a copayment of up to $50.
Once you have reached the annual out-of-pocket spending limit of $5240 in 2018 for Plan K or $2620 in 2018 for Plan L and your Medicare Part B deductible of $183, your Medigap plan pays 100% for Medicare-covered costs for the remainder of the calendar year.
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