Compare Medicare Supplements

Compare Medicare Supplements

Medicare Supplement policies (also called Medigap policies) are standardized and need to abide by federal and state regulations created to guard your interests. Insurance companies are only allowed to market a “standardized” policy identified in the majority of states by letters (see the chart below).

All policies offer the same basic benefits, but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart, there are many options from which to choose. As licensed insurance agents, we can help you understand the differences between the plans to decide on the right plan for you. 

All policies provide exactly the same fundamental advantages. Still, several provide extra advantages, which means you can select what policy meets your requirements in the best way. If you look at the comparison chart below, you will see many options to select from. As licensed insurance agents, we will help you understand the differences between the different plans. We will make sure you have everything to decide which plan is the best for you.

Medigap policies are standardized differently in Wisconsin, Minnesota, and Massachusetts.

Did you know that each insurance company decides which Medigap policies it wants to market? However, state laws might affect which ones they offer.

Every insurance provider can choose which Medigap policies it prefers to market. However, state laws could restrict which ones they can provide. 

Insurance companies that provide Medigap policies:

Please remember that the Medicare Supplement policy covers co-insurance only after paying out the deductible (unless the Medigap policy also pays the deductible).

Compare Medicare Supplement plans side-by-side

The chart below shows basic information about the different benefits Medigap policies cover.

Medigap Plans
Medigap 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
Part B coinsurance or co-payment
50%
75%
***
Blood (first 3 pints)
50%
75%
Part A hospice care coinsurance or co-payment
50%
75%
Skilled nursing facility care coinsurance
50%
75%
Part A deductible
50%
75%
50%
Part B deductible
Part B – Excess charge
Foreign travel exchange (up to plan limits)
80%
80%
80%
80%
80%
80%
Out-of-pocket limit**
N/A
N/A
N/A
N/A
N/A
N/A
$5,880 for 2020
$2,940 for 2020
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 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 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.

Starting January 1, 2020, Medigap plans sold to new people with Medicare won’t be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.

These definitions are directly from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.