Medicare Supplement Insurance, often referred to as Medigap, is insurance that helps fill "gaps” in Original Medicare insurance and is sold by private companies. Original Medicare pays a significant portion of the cost for covered health care services and supplies but not the full cost. A Medicare Supplement Insurance policy (Medigap) can help pay some of the remaining health care costs such as copayments, coinsurance, and deductibles.
There are significant overlaps between many of the plans so you may find the chart below helpful to compare and contrast your options.
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.
Medicare Supplement Plan A: Medicare Supplement insurance Plan A is different from Medicare Part A, although their similar names may be confusingly similar. Medicare Part A covers inpatient hospital care and is one half of Medicare (Part A and Part B). Medicare Supplement insurance Plan A provides coverage that helps pay for out-of-pocket costs from Medicare Part A and Part B.
Medicare Supplement Plan B: Medicare Supplemental insurance Plan B is different from Medicare Part B, although their similar names may be confusingly similar. Medicare Supplemental Plan B covers
Medicare Supplement Plan C covers:
Medicare Supplement Plan D Covers:
Medicare Supplement Plan F covers:
Medicare Supplement Plan G covers:
Medicare Supplement Plan K covers:
Medicare Supplement Plan L covers:
100% of the cost of:
Medicare Supplement Plan M covers:
Medicare Supplement Plan N covers:
Ty Strahl is the Spokane areas leading Certified Senior Advisor (CSA). Her job is to help navigate the many aspects of aging and to help seniors who are in transition to find the right solutions for their individual needs.