MEDICARE SUPPLEMENT PLANS

WHAT ARE THE FEATURES OF MEDICARE SUPPLEMENT PLANS?

With only original Medicare (Parts A and B), you could accumulate hundreds—even thousands—of dollars in out-of-pocket expenses. Medicare supplement plans provide peace of mind by helping with some of these costs.​Predictable costs allow you to stay ahead of any unexpected out-of-pocket expenses. 

 

  • No network restrictions mean you can see any doctor who accepts Medicare patients.​

  • ​No referrals needed to see a specialist. 

  • You're covered anywhere you travel in the United States.

  • There is a range of plans available to fit your health needs and budget.

  • Purchasing a Medicare Supplement Plan and a Medicare Part D prescription drug plan could give you more complete coverage. 

  • Guaranteed coverage for life means your plan(s) cannot be canceled.

HOW DO MEDICARE SUPPLEMENTS WORK?

Medicare Supplement plans, also known as "Medigap," are standardized plans. Each plan has a letter assigned to it and offers the same basic benefits. The basic benefit structure for each plan is the same, no matter which insurance company is selling it to you.

 

Medicare Supplement plans don't replace Original Medicare. Instead, Medicare Supplement plans work alongside your Original Medicare coverage to help cover some of the costs that you would normally have to pay for on your own.  It is designed to help with the out-of-pocket expenses not paid by Medicare Parts A and B for medical expenses (20% after the annual deductible is met). These out-of-pocket expenses can really add up.  Supplement Plans give you more control over your healthcare...and your money.

WHAT ARE THE DIFFERENCES

BETWEEN PART A AND PART B?

Part A

  • Part A coinsurance and most plans include a benefit for the Part A deductible. 

  • Hospital coverage up to an additional 365 days after Medicare benefits are exhausted.

  • Part A hospice/respite care coinsurance or copayment.

  • The first three pints of blood you use each year.

Part B

  • Medicare Part B coinsurance or copayment after you meet your yearly Part B deductible ($198 in 2020).

  • The first three pints of blood you use each year.

Grandparents cooking with their granddaughter

WHAT ARE THE ADDITIONAL BENEFITS OF THE SUPPLEMENTAL PLANS?

Benefits include:

​​

  • Part A deductible

  • Skilled nursing facility care

  • Part B excess charges, if a provider charges more than
    the Medicare-approved Part B charge*

  • Foreign travel emergency care

*Costs and benefits vary depending on the Medicare Supplement
  plan you choose.