Compare Medicare Supplement Plans Side By Side

Compare Medicare Supplement Plans Side By Side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a “standardized” policy identified in most states by letters (see the chart below). All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you.

What you need to know about Medicare Supplement policies

In Massachusetts, Minnesota, and Wisconsin, Medicare Supplement policies are standardized in a different way. Did you know that each insurance company decides which Medicare Supplement policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medicare Supplement policies:
  • Don’t have to offer every Medicare Supplement plan
  • Must offer Medicare Supplement Plan A if they offer any Medicare Supplement policy
  • Must also offer Plan C or Plan F if they offer any plan
Keep in mind, that the Medicare Supplement policy covers co-insurance after you’ve paid the deductible (unless the Medicare Supplement policy also pays the deductible).

Compare Medicare Supplement Plans Side-By-Side

The chart below shows basic information about the different benefits Medicare Supplement policies cover.

  • Yes = the plan covers 100{9787aafb47f6d2314f587193faf9035ba4a5ced98cca556ba3f02db99618d1cb} of this benefit
  • No = the policy doesn’t cover that benefit
  • {9787aafb47f6d2314f587193faf9035ba4a5ced98cca556ba3f02db99618d1cb} = the plan covers that percentage of this benefit
  • N/A = not applicable

* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,340 in 2020 before your Medicare Supplement plan pays anything.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medicare Supplement plan pays 100{9787aafb47f6d2314f587193faf9035ba4a5ced98cca556ba3f02db99618d1cb} of covered services for the rest of the calendar year.

*** Plan N pays 100{9787aafb47f6d2314f587193faf9035ba4a5ced98cca556ba3f02db99618d1cb} of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that don’t result in inpatient admission.

Starting January 1, 2020, Medicare Supplement plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.


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