Compare Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans provide insurance coverage to fill in all the gaps left by the Original Medicare. Various standard policies have been formulated by the United States government. These policies are sold by the private insurance companies.

All Medicare Supplement Insurance Plans provide the following benefits:

  • Co-insurance for Medicare Part A.
  • Hospital coverage for an additional year after Medicare stops paying.
  • Three pints of blood each year.
  • Co-payments for Medicare Part B.
  • Out-of-pockets expenses for hospice care.

Medicare Supplement Plan A:
Medicare Plan A is by far the cheapest supplemental plan. This is because of the fact that it provides minimum benefits. Only the basic Medicare supplemental coverage is included in this plan.

Medicare Supplement Plan A Covers
  • Medicare Part B co-insurance
  • 3 pints of blood for each year
  • Preventive measure co-insurance
  • Hospice care
Not Covered
  • Parts A and B Deductible
  • Skilled Care in Nursing
  • Recovery at home
  • Emergency during Foreign travel
  • Excess charges for Medicare Part B

Medicare Supplemental Insurance Plan B:
This provides the same insurance coverage as Medicare Supplement Plan A, but also covers deductible for Medicare Part A.

Medicare Plan B Covers
  • Co-insurance required under Medicare Part B
  • 3 pints of blood annually
  • Co-payments for preventive care
  • Care under Hospice
  • Part A deductible
Not Covered
  • Medicare Part B deductible
  • Skilled nursing care
  • Medical Emergency while on Foreign travel
  • Out-of-pocket expense cap
  • Excess charges for Part B

Medicare Plan B has a higher insurance premium as compared to Medicare Supplement Plan A. The reason behind this is that deductible for Part A is also covered under Plan B.

Supplement Insurance Plan C:
Medicare Supplement Plan C provides same insurance coverage as Supplement Plan B, but it also includes three extra Medicare benefits.

Medicare Plan C Benefits
  • Co-insurance Medicare Part B
  • 3 pints of blood once every year
  • Preventive care co-payments
  • Hospice care
  • Parts A and B deductible
  • Skilled nursing care
  • Emergency when travelling outside country
Not Covered
  • Recovery at home
  • Excess charges for Medicare Part B
  • Out-of-pocket expense cap

Medicare Supplement Plan C adds to the benefits of Medicare Supplement Plan B.

Medicare Supplement Plan D:

Medicare Supplement Insurance Plan D is similar to Supplement Plan C, but it does not cover deductible for Medicare Part B. Here in, recovery at home benefit is included.

Medicare Plan D Covers:
  • Co-insurance as under Medicare Part B
  • 3 pints of blood annually
  • Hospice care
  • Parts A deductible
  • nursing care of skilled type
  • Emergency outside country
  • Recovery at home
Not Covered
  • Medicare Part B deductible
  • Excess charges for Part B
  • Out-of-pocket expense cap

The at home recovery benefit is also added.

Medicare Supplement Plan F:

Medicare Plan F is similar to Medicare Supplement Plan C with an extra benefit of paying for any 15% Medicare surcharge. Doctors can bill their patients up to 15% more than the amount set by Medicare. These are called excess charges which are covered under this plan.
Benefits of Medicare Plan F
  • Co-insurance required for Medicare Part B
  • 3 pints of blood for each year
  • Copayments under Preventive medical care
  • Hospice care
  • Parts A and B deductible
  • Skilled nursing
  • Emergency occured away from country
  • Medicare Part B excess charges
Not Covered
  • Recovery at home
  • Out-of-pocket expense cap

Medicare Supplemental Plan G:
Medicare Plan G is identical to the Medicare Plan F but it does not provide coverage for Medicare Part B deductible.

Medigap Coverage for Plan G
  • Co-insurance needed in Medicare Part B
  • Each year - 3 pints of blood
  • Co-payments for preventive care
  • Hospice care
  • Parts A deductible
  • Requirement for Skilled care in nursing
  • Emergency when not in country
  • Medicare Part B excess charges
Not Covered
  • Recovery at home
  • Out-of-pocket expense cap
  • Part B Deductible

Supplement Plan K:

Medicare Plan K provides insurance coverage similar to the other Medicare Supplemental Plans. The only difference is that it pays 50% deductibles and out-of-pocket expenses.

Medicare Supplement Insurance Plan K
  • 50% Co-insurance charged in Medicare Part B
  • 50% blood transfer co-payments
  • Preventive care payment
  • Hospice care
  • 50% Part A deductible
  • 50% coinsurance for skilled nursing care
  • $4650 annually Out-of-Pocket Expense Cap
Not Covered
  • Foreign travel emergency
  • Part B deductible
  • Recovery at home
  • Part B excess charges

Medicare Supplement Plan L:
Medicare Supplement Plan L provides same coverage as Medicare Plan K but it covers 75% of the deductible amounts and a lower out-of-pocket expense as compare to Plan L.

Medigap Plan L Covers
  • 75% Co-insurance needed for Medicare Part B
  • 75% blood transfer co-payments
  • Preventive measure co-payments
  • Hospice care
  • 75% Part A deductible
  • 75% coinsurance for skilled nursing expenses
  • $2330 annually out-of-pocket expense cap
Not Covered
  • Foreign Travel
  • Part B Deductible
  • At-Home Recovery
  • Part B Excess Charges

It must be noted that the coverage for Medicare Supplement Plan L is costlier as compare to Plan K.

Medicare Supplement Plan M:

This provides same insurance coverage as Medicare Supplement Insurance Plan C. However it provides 50% insurance coverage of Part A deductible.

Medigap Plan M Coverage
  • Co-insurance charges for Medicare Part B
  • Annual usage of 3 pints of blood
  • Preventive medication co-payments
  • Hospice care
  • 50% deductible under Part A
  • Deductible charged under Medicare Part B
  • Skilled nursing charges
  • Emergency when outside home country
Not Covered
  • Recovery at home
  • Excess charges for Medicare Part B.
  • Out-of-pocket expense cap.

Medicare Supplement Plan N:
This Supplement Insurance in Medicare plan offers same insurance coverage as Medicare Plan C, but in case of Medicare Part B there is a fixed co-insurance payment.

Medigap Plan N Coverage
  • $20 co-insurance under Part B
  • Yearly blood requirement of 3 pints
  • Preventive care co-payments
  • Hospice care
  • 50% deduction in Part A
  • Deductible expenses under Medicare Part B
  • Skilled nursing facility
  • Emergency when not in home country
Not Covered
  • Recovery at home
  • Excess charges for Medicare Part B.
  • Out-of-pocket expense cap.

Buying Medicare Supplement Insurance Plans:
The first point that one should keep in mind prior to buying any Medicare Supplement plan is the amount you need to pay for your Medicare health care every year. You also be clear as to how the premiums for Supplement Insurance in Medicare are determined. Once you gain full knowledge about these plans, you can choose the one that is best for you.

Various forms of Medicare Supplement plans frmo A-L.

Read Complete Guide to Medicare Supplements

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Medicare is a federal program established to assist with health insurance. It applies to those aged 65+ and those who are younger but who suffer from certain health conditions that make them eligible.

If you are eligible and not enrolled automatically, you can sign up for Medicare by calling Social Security. If you are receiving social Security or certain other benefits, you may be automatically enrolled in Medicare. If you are unsure, call Social Security for assistance on 1-800-772-1213.

Basic Medicare covers those services that the government deems to be medically essential. Medicare Part A provides coverage for inpatient services in skilled nursing and hospital stays, hospices and home healthcare. Part B provides coverage for outpatient care including preventive care, doctor visits and lab tests. Part D provides coverage for most prescription drugs. Part C is privately sponsored Medicare Advantage plans that provide coverage for the gaps that Parts A, B and D don't fill.

There is various payments required by Medicare, which can include cost sharing, premiums and deductibles. There are certain government programs that assist with Medicare payments such as Low Income Subsidy payments for those with less income and fewer assets.

Some people have employer group health plans if they are actively employed. If this is the case it's possible that they will want to delay their Part B application while this plan is in effect.

If a person has creditable coverage for their prescription drugs, which is equally good if not better than regular Part D coverage, they may wish to delay Part D enrollment or forget it altogether. Creditable coverage will often be granted as part of some healthcare plans that are associate with Medicare, such as Veteran Affairs or Tricare.

Medicare can be supplemented with other useful plans such as Medigap, retiree plans and Medi-Cal (for those on a lower income or with fewer assets) which are not government sponsored, but privately issued. Other examples of private health plans include the popular Advantage plans which are comprehensive in their coverage. They include Medicare Part A and Part B but these are paid as part of the plan's premiums.

No. If your Medicare benefits are based on retirement, you must wait until age 65 to enroll. If you enter into retirement at age 62, you may have continued medical insurance from a previous employer or else you would have to purchase temporary health insurance from a private insurer while you wait to become eligible for medicare.

It is advisable to submit your Medicare application three months before your 65th birthday. You should receive your Medicare card around one month later, then coverage will start as soon as you turn 65. Those getting social security benefits will be enrolled in basic Medicare Part A and B automatically. If you don't wish to pay premiums for Part B, you may terminate your enrollment.

Termination of Part B enrollment is taken seriously and as such a form cannot be submitted online. You will be required to attend an interview with social services and may face a surcharge. To terminate enrollment, form CMS-1763 can be filled in person or over the phone and the consequences will be made clear to you.

If you are older than 65, you'll usually be required to sign up during the GEP or general enrollment period. This takes place between January 1st and March 31st and coverage commences on July 1st. There will most likely be a late enrollment penalty for those who sign up during the GEP which would mean a 10% rate increase for each month that you were eligible but did not enroll in Medicare.

If you have a low income or few assets, you may be eligible for financial assistance courtesy of the Medicare Extra Help program. This helps with monthly premiums, co-payments on Part D and annual deductible payments. Your Extra Help application also gets the ball rolling for the Medicare Savings Program, which assists with other Medicare-related costs. You will be contacted by the state with instructions to apply.