Medicare Supplement Insurance plans (Medigap)

Medicare Supplement Insurance Plans A and B cover basic coinsurance and copayment costs for hospitalization, medical expenses, and hospice care. Medicare Supplement Plan B provides additional coverage for Part A deductibles.

Medicare Supplement Insurance Plans D and C help with out-of-pocket costs left from Original Medicare, like coinsurance, copayments, the Medicare Part A deductible, and emergency care abroad. Plan C also covers the Medicare Part B deductible, but Medicare Supplement Insurance Plan C is only available to those who were eligible for Medicare prior to January 1, 2020.

Medicare Supplement Insurance Plan F is only available to those who were eligible for Medicare prior to January 1, 2020. Plan F helps with out-of-pocket costs left from Original Medicare, like coinsurance and deductibles, plus coverage for Medicare Part A and B deductibles, emergency care abroad, and 100% of Part B excess charges (charges above what Medicare will pay.) A high-deductible option is available that can lower your premiums.

Medicare Supplement Insurance Plan G helps with out-of-pocket costs left from Original Medicare, like coinsurance and deductibles, plus coverage for additional costs like Part A deductibles, emergency care abroad, and 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 for a lower premium.

Medicare Supplement Insurance Plans K and L cover a range of medical costs, including doctors’ 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.

Medicare Supplement Insurance Plan N includes an office copayment and an emergency room copayment. Medicare Supplement Insurance Plan N also covers Medicare Part A deductibles, skilled nursing care coinsurance, and emergency care abroad.