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The most popular plan covers 100% of copayments & deductibles for covered services after Original Medicare pays its share
You can visit any medical professional who takes Medicare; most doctors across the country will be covered by your plan
You’re guaranteed eligibility if you apply during your Open Enrollment Period; insurers must charge you their lowest rate regardless of your age or health status
Your Medicare Supplement plan is renewable for life, no matter what health issues arise after you’re covered
Plans may include coverage for services that standard Medicare doesn’t cover, like emergency care when traveling away from the United States
No need to file separate claims; billing is automatically coordinated with your insurance company
What’s the Difference Between Medicare Advantage and Medicare Supplement?
Medicare Advantage lets you get Medicare Parts A and B (“Original Medicare”) covered by a private insurer instead of the federal government. The benefit of this is that you usually get additional coverage (like vision or dental coverage). Choose Medicare Supplement if you want to keep your Original Medicare coverage through the federal government, but still want some additional coverage.
|Key Differences Between Medicare Advantage and Medicare Supplement|
Medicare Part A & B Coverage
|Serves in place of Original Medicare||Serves in addition to Original Medicare|
Prescription Drug Coverage
|Most plans include Part D/ Prescription drug coverage||Not included; you must buy separately|
Your Choice of Doctors
|This depends on your type of plan and insurer||Any health provider that participates in Medicare|
|The cost varies by your plan and insurer ($0 to $100+)||Cost based on your age & health history ($150-$200)|
|You pay for copays and deductibles||Little to none, outside of your premiums|
|Some paperwork because of your out-of-pocket costs||Little to none; easily coordinates with Medicare|
When Is Medicare Supplement Open Enrollment?
During Medicare Supplement Open Enrollment, insurers must offer you the lowest available rate regardless of your pre-existing health condition(s). Medicare Supplement Open enrollment begins when you’re 1) over the age of 65 and 2) enrolled in Medicare Part B. Open enrollment is available for 6 months afterwards.
What Are the Different Plans?
Each of the 10 different Medicare Supplement plan types (sorted by letters) provide different benefits. Plan types are standardized so that all plans within a letter-group provide the same exact coverage. When comparing plans of the same type, the only differences are carrier and price.
Comprehensive CoverageModerate CoverageLeast Coverage
|Medicare Part A coinsurance and hospital costs|
|Medicare Part B coinsurance or copayment||75%||50%|
|Blood (first 3 pints)||75%||50%|
|Part A hospice care coinsurance or copayment||75%||50%|
|Skilled nursing facility care coinsurance||75%||50%|
|Part A deductible||50%||75%||50%|
|Part B deductible|
|Part B excess charges|
|Foreign travel emergency (up to plan limit)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventative care coinsurance|
|Out of Pocket|
* 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 $2,200 in 2020 before your Medigap plan pays anything.
** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.
Most Popular Medicare Supplement Articles
A Detailed Guide to Medigap Insurance and Its Different Plan Types - From Plan A, Plan F and Everything In-Between
Your supplemental insurance will shape the medical care you receive, and the way that you access it.
The Medicare Annual Enrollment Period (AEP) is a great time to compare or switch certain Medicare coverage without penalty.
Most Popular Questions About Medicare Supplement
Q: Is Medigap Plan F Going Away?
Medicare Supplement Plan F enrollment ends for good on January 1, 2020. Both regular Plan F and the high-deductible version of Plan F (HDPF) will be affected.Read More
Q: Does Medigap Cover Pre-Existing Conditions?
In short, yes, Medigap covers pre-existing conditions. Once you’re enrolled in a Medicare Supplement plan, it will always cover your pre-existing conditions.Read More
Q: Is There a Cap on Medicare Supplement Benefits?
There is no cap on Medicare Supplement benefits to the insured senior: no annual caps, no lifetime caps, and no caps on dollar amounts.Read More