Approximate portion of all Original Medicare beneficiaries who have a Medigap policy
Number of Americans enrolled in a Medicare Supplement plan
Growth in the number of people enrolled in Medicare Supplement plans since 2010
Increase in number of Medigap enrollees from 2016 to 2017
F, N, D, G are the most popular Medicare Supplement plans
Join the rising number of seniors with a Medicare Supplement plan. Between December 2015 and December 2016, enrollment grew from 12.3 million to 13.1 million.
Medicare Supplement Plans, also known as Medigap plans, cover many of your Medicare Part A and B out-of-pocket costs such as deductibles and coinsurance. Whether you prefer higher premiums or lower out-of-pocket costs, there’s a Medicap plan that could be right for you.
Moderate premiums, lower out-of-pocket costs
Medicare Supplement Plan F covers the basic Medicare benefits, plus coverage for Medicare Part A and B deductibles, skilled nursing care, emergency care abroad and 100% of Part B excess charges—this is the difference between what a provider charges and the amount Medicare will pay up to Medicare’s limiting amount. A high-deductible option is available that can lower your premiums.
Plans K and L
Higher out-of-pocket costs, but with annual out-of-pocket limits.
Medicare Supplement Plans K and L cover a range of medical costs, including doctor’s services and hospital care. The plans pay a percentage of your costs, and then you are responsible for the remainder. Each Medicare Supplement Plan K and L has its own out-of-pocket maximum, which limits the amount you have to pay each year.
Moderate out-of-pocket costs for office visits and ER copays.
Another lower-premium option offering the same basic benefits; however, Plan N includes an office copayment of up to $20 and an emergency room copayment of up to $50. Medicare Supplement Plan N also covers Medicare Part A deductibles, skilled nursing care and emergency care abroad.