Medicare Supplement Plans Basics

Medicare Supplement Insurance covers some of the costs that Original Medicare doesn't pay.

What is a Medicare Supplement Plan?

Medicare Supplement Insurance is also called "Medigap" because it helps fill gaps in costs not paid by Parts A and B including copayments, coinsurance and deductibles. Medicare Supplement Insurance Plans are easy to comparison shop because they are standardized under federal law, which requires each plan to offer the same basic coverage, regardless of the carrier.

For many plans, the only difference is the cost.

Why Medicare Supplement Insurance?

Having Medicare Supplement Insurance in addition to Original Medicare protects you from unexpected costs, giving you access to the care you need with peace of mind.

Guaranteed Issue means that you can’t be denied coverage due to a pre-existing condition, not that it can’t be taken away. The plan is guaranteed renewable as long as the premium is paid and a misrepresentation is not made on an application. SmartMatch licensed insurance agents work with you to ensure you get the coverage that meets your needs at the price that fits your budget.

Benefits of Medicare Supplement Insurance:

Guaranteed renewability each year
‍ As long as you pay your premium, your coverage will continue year after year and cannot be cancelled (except in specific cases, like providing inaccurate information on your application).

‍ Simplified plan options
‍ Because Medicare Supplement Insurance is standardized, it’s fairly straightforward to understand and compare plans.

‍ Nationwide network of doctors and specialists
‍ Medicare Supplement Insurance enrollees can visit any doctor that accepts Medicare patients. Doctors or hospitals that accept Medicare patients MUST accept all Medicare Supplement Insurance Plans, regardless of the insurance carrier.

Medicare Supplement Plans Comparison Chart

There are 10 standard Medicare Supplement Insurance Plan types available in most states, each with an assigned letter from A to N (Plans F and C are only available to those who were eligible for Medicare prior to Jan. 1, 2020).

Medigap Plans A B C * D F * 1 G K L M N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes 3
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible Yes Yes
Part B excess charge Yes Yes
Foreign travel exchange (up to plan limits) 80% 80% 80% 80% 80% 80%
Out-of-pocket limit 2 $5,880 $2,940

Medicare Products

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Ready to get SmartMatched?

Or speak directly to a licensed insurance agent at 1-888-411-7647

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