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Types of Medicare Supplement Plans

There are various Types of Medicare Supplement Plans. Plans of each type offer identical coverage. You may want to understand the coverage offered by the type of plans available in your area. This article displays a table comparing the coverage offered by each Plan Type.

Types of Medicare Supplement Plans

Types of Medicare Supplement (Medigap) Plans

There are ten different types of Medicare Supplement plans (Massachusetts, Minnesota and Wisconsin are different) which are available, though not all of them may be offered in your location.

These plans are identified by letters A to N with each letter indicating a different set of benefits. For each letter, the standardized benefits remain the same, irrespective of carrier or location (Massachusetts, Minnesota and Wisconsin are different).

Per Medicare regulations, it is mandatory for Carriers to offer Medicare Supplement Plan A if they are offering Medicare Supplement policies. Insurance companies are also required to sell either Plan C or Plan F, if they offer other plans apart from type A.

Note that w.e.f. January 1st, 2020, Plan C and Plan F will close to new enrollees. Those who already have these Plans will be able to continue with them. These are Plan Types which cover Part B deductible. But no need to get alarmed. If you were thinking of enrolling into these Plan Types during 2020 or later, you will still have the option to enroll into other Plan Types which are similar in coverage except for Plan B deductible (Plan Types D and G). In essence, instead of paying the Part B deductible through correspondingly higher Medicare Supplement Plan premiums, starting in 2020 you will have to pay the Part B deductible separately.

The table below summarizes the various Medigap (Medicare Supplement) Plan Types. Take a careful look before deciding which plan type is best suited for your needs. Remember that your choice is going to be limited by which plans are available in your area (Plan types E, H, I and J are not listed below since they are no longer offered. If you are already enrolled in one, you can usually continue to keep the plan).

‘X’ – Plan covers 100% of the benefit

‘%’ – Plan covers indicated percentage of the benefit

 Blank – Not covered by the Plan

Benefits

Medicare Supplement (Medigap) Plan Type

A

B

C

D

F*

G

K

L

M

N

Part A (coinsurance and hospital costs up to additional 365 days)

X

X

X

X

X

X

X

X

X

X

Part B (coinsurance or copayment)

X

X

X

X

X

X

50%

75%

X

X**

Blood (first 3 pints)

X

X

X

X

X

X

50%

75%

X

X

Part A (hospice care coinsurance or copayment)

X

X

X

X

X

X

50%

75%

X

X

Skilled Nursing Facility (SNF) copay

   

X

X

X

X

50%

75%

X

X

Part A deductible

 

X

X

X

X

X

50%

75%

50%

X

Part B deductible

   

X

 

X

         

Part B excess charges (for providers who do not accept assignment)

       

X

X

       

Emergency Care during Foreign travel (within plan limits, after deductible)

   

80%

80%

80%

80%

   

80%

80%

Out-of-pocket limit***

           

($5,560 in 2019)

($2,780 in 2019)

   

 

 

 

 

 

* Carriers may offer Plan F as a high-deductible option in some areas. In that case, Medicare Supplement benefits will be paid once you have met the high-deductible out of your own pocket (usually the premiums are lower to compensate for this).

** Sometimes copayments may be needed out of pocket.

*** Plans K and L provide lesser coverage than most other plans, resulting in higher out-of-pocket costs. As a result, premiums are generally lesser and there is an out-of-pocket yearly limit after which the Medicare Supplement plan pays 100% of covered services for the rest of the calendar year.

                                                                                                                                                  

Click here to learn more about Medicare, its various Parts, different enrollment periods and your costs. 

We have also created videos to help you better understand various topics related to Medicare. Select and watch a video explaining the topic of your interest in a simple and intuitive manner.

Remember that you cannot choose just any combination of Parts and Plans. Let Lighted Road Insurance guide you step-by-step through the Medicare ecosystem and help you in selecting the right plan(s) for your needs. 

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General / Informational Disclaimers

This website (LightedRoadInsurance.com) contains information about and access to insurance plans for eligible and soon to be eligible Medicare beneficiaries and their advisors. It is operated by Lighted Road Insurance Services, an agency affiliated with HealthCompare Insurance Services Inc., a licensed health insurance agency to sell Medicare products.

LightedRoadInsurance.com and Lighted Road Insurance Services are not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.

HealthCompare Insurance Services Inc. is a licensed and certified representative of Medicare Advantage HMO, POS, PPO and PFFS organizations and Medicare Prescription Drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

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Last Updated: 11-17-2019