Comparison Chart For Medicare Supplement Plans

Comparison Chart For Medicare Supplement Plans

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Compare Medigap plans

Compare Medigap plans

Medicare can be confusing. We’re here to help break it all down so you can make smarter decisions, such as with the Medicare Supplement Comparison Chart below. We can help you research and enroll in a plan that best fits your unique situation, so you can make the most of your newfound retirement freedom.

Medicare Supplement and Medigap are different names for the same thing. Medicare Supplement plans fill the gaps left by Original Medicare (Parts A and B). You have to enroll in Medicare part A and B before you enroll in aMedicare Supplement plan. We can advise you on that, too, if you like.

It’s important to be clear that Medicare Parts A and B (together often calledOriginal Medicare) and Part C (Medicare Advantage) are different than Medicare Supplement Plans A through N.

  • Original Medicare Parts A (hospital coverage) and B (medical services/doctor coverage) are direct government-sponsored Medicare programs.

  • Medicare Part C (Medicare Advantage) is issued by private insurance companies and replaces Original Medicare, sometimes with additional benefits.

  • Medicare Supplement (Medigap) plans are standardized. This means that all plans named A through N have the same benefits no matter which private insurance company provides them. A Medicare Supplement plan (Medigap) is layered on top of Original Medicare.

 

Medicare Supplement (Medigap) Comparison Chart

The chart below contrasts the benefits offered by each of the 10 Medicare Supplement/Medigap plans available in 2022.

Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover that benefit
% = the plan covers a specific percentage of this benefit
N/A = not applicable

Benefits tab, medigap plans tab, A B C D F* G* K L M N
Covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up. which medigap plan covers this benefit? A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: Yes; L: Yes; M: yes; N: Yes;
Covers Part B coinsurance or copayment. which medigap plan covers this benefit? A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;
Covers blood (first 3 pints). which medigap plan covers this benefit?  A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;
Covers Part A hospice care coinsurance or copayment. which medigap plan covers this benefit?  A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;Covers skilled nursing facility care coinsurance. which medigap plan covers this benefit? A: No;  B: No;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;Covers Part A deductible. which medigap plan covers this benefit? A: No;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: 50%; N: Yes;Covers Part B deductible. which medigap plan covers this benefit? A: No;  B: Yes;  C Yes; D No; F*: Yes; G*: No; K: No; L: No; M: No; N: No;
Covers Part B excess charge. which medigap plan covers this benefit? A: No;  B: No;  C Yes; D Yes; F*: Yes; G*: Yes; K: No; L: No; M: No; N: No;Covers foreign travel exchange (up to plan limits). which medigap plan covers this benefit? A: No;  B: No;  C: 80%; D 80%; F*: 80%; G*: 80%; K: No; L: No; M: 80%; N: 80%;Out-of-pocket limit**. which medigap plan covers this benefit? A: N/A;  B: N/A;  C N/A; D N/A; F*: N/A; G*: N/A; K: $6,220; L: $3,310; M: N/A; N: N/A;

 

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, 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.

Yes = the plan covers 100% of this benefit
No = the policy doesn’t cover that benefit
% = the plan covers a specific percentage of this benefit
N/A = not applicable


Desktop view provides a side-by-side comparison.

Covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up. which medigap plan covers this benefit? A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: Yes; L: Yes; M: yes; N: Yes;
Covers Part B coinsurance or copayment. which medigap plan covers this benefit? A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;
Covers blood (first 3 pints). which medigap plan covers this benefit?  A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;
Covers Part A hospice care coinsurance or copayment. which medigap plan covers this benefit?  A: Yes;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;
Covers skilled nursing facility care coinsurance. which medigap plan covers this benefit? A: No;  B: No;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: yes; N: Yes;
Covers Part A deductible. which medigap plan covers this benefit? A: No;  B: Yes;  C Yes; D Yes; F*: Yes; G*: Yes; K: 50%; L: 75%; M: 50%; N: Yes;
Covers Part B deductible. which medigap plan covers this benefit? A: No;  B: Yes;  C Yes; D No; F*: Yes; G*: No; K: No; L: No; M: No; N: No;
Covers Part B excess charge. which medigap plan covers this benefit? A: No;  B: No;  C Yes; D Yes; F*: Yes; G*: Yes; K: No; L: No; M: No; N: No;
Covers foreign travel exchange (up to plan limits). which medigap plan covers this benefit? A: No;  B: No;  C: 80%; D 80%; F*: 80%; G*: 80%; K: No; L: No; M: 80%; N: 80%;
Out-of-pocket limit**. which medigap plan covers this benefit? A: N/A;  B: N/A;  C N/A; D N/A; F*: N/A; G*: N/A; K: $6,220; L: $3,310; M: N/A; N: N/A;

 

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, 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.

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ActivAgers are smart, active people 64 and older who want to make the most of their retirement. Medicare isn’t a one-size fits all program. And once you enroll, it can be difficult—and expensive—to change.

Our ActivAge Medicare specialists are also licensed insurance agents, so we can help you select and enroll in the best plans for your unique situation. Use our convenient self-scheduler for a FREE consultation.

ActivAgers are smart, active people 64 and older who want to make the most of their retirement. Medicare isn’t a one-size fits all program. And once you enroll, it can be difficult—and expensive—to change.

Our ActivAge Medicare specialists are also licensed insurance agents, so we can help you select and enroll in the best plans for your unique situation. Use our convenient self-scheduler for a FREE consultation.

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CONTACT US for more information

Thank you for reaching out.

WE WILL NOT SHARE YOUR INFORMATION WITH ANYONE ELSE. By providing your information – such as name, phone number, and email address – you agree to allow an ActivAge licensed Insurance Agent to contact you about various health plans, services, and/or educational information related to health care.

Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. Our National Producer Number is: 18595829

ActivAge Medicare Advisors is a trade name and registered trademark of the legal entity ActivAge Benefit Advisors, Inc.