Medicare Supplements

Plan A covers basic benefits, including Medicare Part A coinsurance, hospital costs up to an additional 365 days after Medicare benefits are exhausted, Medicare Part B coinsurance or copayment, the first three pints of blood, and Part A hospice care coinsurance or copayment. This plan is suitable for individuals who want basic coverage to fill the gaps in Original Medicare without additional frills.

Along with the advantages of Plan A, Plan B offers coverage for the Medicare Part A deductible, making it a compelling choice for those looking for fundamental health coverage while having this particular deductible addressed. This plan is especially well-suited for beneficiaries aiming to reduce out-of-pocket costs associated with hospital admissions, providing reassurance when it comes to obtaining essential medical care.

(Not available to new beneficiaries starting January 1, 2020)

Medicare Supplement Plan C is designed to cover a range of out-of-pocket expenses that Original Medicare does not fully address. This plan includes benefits such as coverage for Medicare Part A coinsurance and hospital costs, Part B coinsurance or copayments, the first three pints of blood needed for a medical procedure, and hospice care coinsurance. Additionally, Plan C provides coverage for skilled nursing facility care coinsurance, ensuring that beneficiaries are protected from significant expenses associated with hospitalization and skilled nursing care.

Medicare Supplement Plan D typically includes coverage for coinsurance, copayments, and certain deductibles for hospital and medical services. Notably, Plan D does not cover the Medicare Part B deductible, but it provides additional assistance for skilled nursing facility care and foreign travel emergencies, making it a viable option for those seeking to enhance their Medicare coverage. Beneficiaries are encouraged to evaluate their healthcare needs and budget to determine if Plan D aligns with their overall financial strategy.

(Not available to new beneficiaries starting January 1, 2020)

Beneficiaries enrolled in Plan F enjoy coverage for Medicare Part A coinsurance and hospital costs, Part B coinsurance or copayment, the first three pints of blood needed for a medical procedure, and skilled nursing facility care coinsurance, among other benefits. Notably, Plan F also covers the Medicare Part A deductible and the Medicare Part B deductible, making it one of the most popular choices for individuals seeking extensive coverage.

Medicare Plan G takes care of the Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are exhausted, as well as the Part B coinsurance or copayment. Plan G also covers the first three pints of blood needed for a medical procedure, hospice care coinsurance, and skilled nursing facility care coinsurance. Additionally, it provides coverage for Medicare Part A and Part B deductibles. However, it is important to note that Plan G does not cover the Part B deductible, which means beneficiaries will need to pay that amount out of pocket before their supplemental coverage takes effect.

Plan K covers 50% of Medicare Part A deductible, Part B coinsurance or copayment, the first three pints of blood, Part A hospice care coinsurance or copayment, skilled nursing facility care coinsurance, and 50% of Part B excess charges. It includes an annual out-of-pocket limit. This plan is suitable for individuals who want lower premiums and are comfortable with sharing a portion of the costs, with a cap on annual out-of-pocket expenses.

Plan L covers a portion of coinsurance for hospital stays and outpatient care, as well as providing benefits for the first three pints of blood needed. One of its distinguishing features is the out-of-pocket limit, which protects beneficiaries from excessive costs, making it a viable option for individuals who anticipate needing more frequent medical care. However, while Plan L does not cover the full amount of certain costs compared to other Medicare Supplement plans, it presents a cost-effective choice for those seeking to balance premium affordability with comprehensive coverage.

Plan M covers 50% of Medicare Part A deductible, skilled nursing facility care coinsurance, and foreign travel emergency care (up to plan limits), but does not cover the Medicare Part B deductible or excess charges. It is best for individuals who want moderate coverage at a lower cost, with limited out-of-pocket exposure.

Plan N provides beneficiaries with coverage for co-insurance, hospital stays, and skilled nursing facility care, while also offering the convenience of predictable copayments for doctor visits and emergency room services. One of the significant advantages of Plan N is that it generally comes at a lower premium compared to other plans, making it a cost-effective choice for many seniors. However, it's essential to note that beneficiaries are responsible for certain copayments, especially during office visits and emergencies, which can impact overall costs in the long term.