Different Plans, different coverage

There are 10 different Medicare Supplement Plans to choose from. These plans are also called Medigap Plans. Each has varying costs when it comes to premiums and the coverage offered. But the options are there for a reason, because one may be more appealing to you than all the others.

Your Medigap Supplement choices are A, B, C, D, F, G, K, L, M, and N.

What each plan covers

Here are the categories and the Medigap Plans that cover them.

Part A coinsurance or copay for hospital stays (lasts no more than 365 days following the time when other hospital stay benefits run out):

A, B, C, D, F, G, K, L, M, N

Part B coinsurance or copay:

A, B, C, D, F, G, M; (50% – K, 75% – L), reduced cost up to $20 outpatient and $50 inpatient for Plan N

First three pints of blood when getting bloodwork:

A, B, C, D, F, G, M, N; ( 50% – K, 75% – L)

Part A coinsurance or copay for hospice care:

A, B, C, D, F, G, M, N; (50% – K, 75% – L)

Coinsurance for care in a skilled nursing facility:

C, D, F, G, M, N; (50% – K, 75% – L)

Part A deductible:

B, C, D, F, G, N; (50% – K, 75% – L, 50% – M)

Part B deductible:

C, F

Part B excess charge:

F, G

Coverage for emergency healthcare you get when you are outside the U.S. (the following plans are listed as covering 80%, not altogether; also based on your plan’s limits)

C, D, F, G, M, N

2020 Out-of-Pocket Limit:

$5880 – K; $2940 – L

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Bottom Line

The plans may all closely resemble each other in coverage categories, but your decision is ultimately based on the coverage you are wanting. Your decision may also be based on whether you travel outside of the U.S. often and if you wish to have a plan with an out-of-pocket limit.

If you have any questions regarding the Medicare Supplements available to you, call us today.