A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
| Part A Deductible | Part B Deductible | Part B Excess Charges | Foreign Travel Emergency | Part A Coinsurance & Hospital Benefits | Part B Coinsurance & Copayment | Blood (First 3 pints) | Part A Hospice Care Coinsurance & Copayment | Skilled Nursing Facility Care Coinsurance | ||
|---|---|---|---|---|---|---|---|---|---|---|
| Plan Name | A | |||||||||
| B | ||||||||||
| C | 80% | |||||||||
| D | 80% | |||||||||
| F | 80% | |||||||||
| G | 80% | |||||||||
| K | 50% | 50% | 50% | 50% | 50% | |||||
| L | 75% | 75% | 75% | 75% | 75% | |||||
| M | 50% | 80% | ||||||||
| N | 80% |
Medigap policies generally don’t cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
Some types of insurance aren’t Medigap plans, they include:
If you decide to drop the entire Medigap policy, you need to be careful about the timing. For example, you may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage), or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.
If you drop your entire Medigap policy and the drug coverage wasn’t creditable or you go more than 63 days before your new Medicare coverage begins, you have to pay a late enrollment penalty for your Medicare Prescription Drug Plan, if you choose to join one.
I do not offer every plan available in your area. Currently I represent 14 organizations which offer 120 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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