Medicare Supplement Plans 2020
Medicare Supplement Benefits
A B C D F* G K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
X X X X X X X X 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 care coinsurance
X X X X 50% 75% X X
Part B Deductible
Foreign travel exchange (up to plan limits)
80% 80% 80% 80% 80% 80%
N/A N/A N/A N/A N/A N/A $5,580 $2,940 N/A N/A
* 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 $2,340 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 co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that don't result in inpatient admission.
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How to Compare Medicare Supplement Plans in 2020
A Medicare Supplement Insurance plan is also known as a Medigap policy and is sold by private insurance carriers.
A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles based on which plan you buy.
Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the United States.
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.
Your Medigap policy then pays its share after Medicare pays the required amount.
A Medigap policy is different from a Medicare Advantage Plan. Medicare Advantage Plans are a different way to get Medicare benefits, while a Medigap policy supplements your Original Medicare benefits.
Medicare health plans are generally offered by a private company that contracts with Medicare annually to provide Medicare Part A (Hospital) and Medicare Part B (Medical) benefits. Click here to learn more about Medicare Advantage plans.
You pay the private insurance company a monthly premium for your Medigap policy when coverage begins. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies. The experienced professionals at Rooted Insurance will help couples find available household discounts because you worked hard for your money.
You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
Think about Original Medicare as the hand and think of Medigap policies like a glove. The Medigap policy only covers what original Medicare covers. (If the hand doesn't go there, then neither does the glove)
Original Medicare and therefore Medigap policies do not cover long-term care, routine vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
You can drop your Medigap policy at any time if you want to purchase a completely different Medigap policy. However, you need to be careful to keep your Part D drug coverage in place.
Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).