Medicare Supplement Insurance Policies

There are 10 standardized Medicare Supplement policies that help pay the majority of the out of pocket costs that the original Medicare plan does not cover. (If you are in Medicare Advantage plan, such as a Private Fee For Service plan, you do not need a Medicare supplement policy.)

Each standardized Medicare supplemental plan, labeled A through N, offers a different set of benefits, fills different "gaps" in coverage, and varies in price. There are Medicare Companies that offer the "high deductible option" on Medicare supplement Medicare plan F
Every supplemental policy are obligated to cover certain basic Medicare benefits. These benefits are as follows:

Medicare Part A coverage:

  • Coinsurance for hospital days 61-90 ($256 in 2012) and 91-150 ($512 in 2012)
  • Cost of 365 more hospital day in your lifetime, once you have used the entirety of hospital policy benefits

Medicare Part B coverage:

  • Generally, 20% of doctor bills and fifty percent of mental health medical services
  • The first three pints of blood every year

Medicare Supplement Plan A

  • Basic Benefits

Medicare Supplemental Plan B

  • Basic Benefits
  • Medicare Part A Hospital Deductible: $1,024 in 2012 for each benefit period for in-patient hospital policy services

Medicare Supplement Plan C

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing Home Costs: Your cost ($128 in 2012) for days 21-100 in a skilled nursing home.
  • Medicare Part B Deductible: Yearly deductible for doctor services ($135 in 2012).
  • Foreign Travel Emergency:
    • 80% of cost of emergency care outside U.S.A borders
    • Up to $50,000 during your lifetime
    • There is a yearly deductible of $250

Medicare Supplement Plan D

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing Home Costs
  • Foreign Travel Emergency
  • At Home Recovery
    • Help for activities of daily living, such as bathing and dressing, for those receiving skilled home care that is Medicare approved.
    • There is an extention of eight weeks after patient no longer recieving skilled care.
    • Benefit of up to $40 per visit, seven visits per week. Maximum benefit is $1,900 per year.

Medicare Supplemental Plan F*

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing Home Costs
  • Medicare Part B Deductible
  • Medicare Part B Excess Charges: Pays 100% of the difference between your doctor's charge and the Medicare approved amount to a non-Medicare assignment doctor.
  • Foreign Travel Emergency

     High Deductible Plan "F": Medicare Plan "F" has an option called High Deductible Medicare Plan "F". This high deductible plan offers the same benefits as the regular Plan "F" but the benefits do not start until after you pay a calendar year deductible of $1,900 in 2012 (this deductible goes up with inflation).

    • Some of the expenses you will have to pay to satisfy the deductible include the Medicare deductibles for Parts A and B, but does not include the Foreign Travel Emergency deductible. The Foreign Travel Emergency deductible must be paid regardless of whether you have met the $1,900 deductible. Also, you cannot count the Foreign Travel Emergency deductible toward the $1,900 deductible.

Medicare Supplement Plan G

  • Basic Benefits
  • Medicare Part A Hospital Deductible
  • Skilled Nursing Home Costs
  • Medicare Part B Excess Charges: Pays 80% of the difference between your doctor's charge and the Medicare approved amount, if your doctor does not accept assignment.Medicare Part B Excess Charges: Pays 80% of the difference between your doctor's charge and the Medicare approved amount, if your doctor does not accept assignment.
  • Foreign Travel Emergency
  • At Home Recovery
* If you choose the "high deductible option" on supplemental Medicare Plan F, you will first have to pay a $1,900 deductible in 2012 before the plan pays anything. This amount goes up every year with inflation. This high deductible option is less expensive, but getting medical attention will cost you more money. 

In addition to the A-N standard supplemental Medicare (Medigap) plan, Medicare SELECT is a type of supplement policy that is more affordable Medicare supplement policy.

However, you can only go to certain doctors and hospitals to receive medical care. Please contact one of our licensed Medicare providers today to find the suitable Medicare Select or Medicare Supplement Policy that is available in your area.


*Plans K and L involves involves cost-sharing for medical expenses and services. In these Medicare Supplement plans, once you reach the annual expense limit ($4,440 for Plan K and $2,220 for Plan L), the plans pays 100% of the Medicare co-payments, coinsurance, and deductibles for the rest of the calendar year.

The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called "Excess Charges." The client will be responsible for paying excess charges. The out-of-pocket annual limit will increase each year with inflation

Medicare Supplement Plan M:

  • Co-insurance for Medicare Part B
  • Three pints of blood each year.
  • Preventive care co-payments
  • Hospice care
  • 50% Part A deductible
  • Deductible for Medicare Part B
  • Skilled nursing care
  • Foreign travel emergency

Medicare Supplemental Plan N:

  • $20 Part B co-insurance
  • Three pints of blood each year.
  • Preventive care co-payments
  • Hospice care
  • 50% Part A deductible
  • Deductible for Medicare Part B
  • Skilled nursing care
  • Foreign travel emergency

This Medicare Chart is really easy to understand

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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.