Get your no-obligation, FREE quote for Medicare Supplement coverage.
Find out which insurance companies sell Medigap policies in your area.
Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare Supplement Insurance." Insurance companies can sell you only a "standardized" policy identified in most states by letters.
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:
Note: The Medigap policy covers coinsurance only after you've paid the deductible (unless the Medigap policy also pays the deductible).
The chart below shows basic information about the different benefits Medigap policies cover.
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
|Medigap Benefits||Medigap Plans|
|Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used||100%||100%||100%||100%||100%||100%||100%||100%||100%||100%|
|Part B coinsurance or copayment||100%||100%||100%||100%||100%||100%||50%||75%||100%||100%***|
|Blood (first 3 pints)||100%||100%||100%||100%||100%||100%||50%||75%||100%||100%|
|Part A hospice care coinsurance or copayment||100%||100%||100%||100%||100%||100%||50%||75%||100%||100%|
|Skilled nursing facility care coinsurance||No||No||100%||100%||100%||100%||50%||75%||100%||100%|
|Part A deductible||No||100%||100%||100%||100%||100%||50%||75%||50%||100%|
|Part B deductible||No||No||100%||No||100%||No||No||No||No||No|
|Part B excess charges||No||No||No||No||100%||100%||No||No||No||No|
|Foreign travel exchange (up to plan limits)||No||No||80%||80%||80%||80%||No||No||80%||80%|
* Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,240 in 2018 before your policy pays anything.
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($183 in 2018), 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 an inpatient admission.
"Wade and Terry, thank you both for all your help in getting my Medicare insurance mysteries solved!"
- Carole W.
"Thank you, David, for taking such good care of my family. My parents and I appreciate having such a good agent that we feel we can always rely on."
- Cheryl D.
"I would recommend Fred Fuhrmann to every family member, friend, coworker and client! Going online and calling Medicare was so confusing and stressful for me, until a friend gave me Fred’s number… He found me a plan and took care of everything. It was quick and easy!"
- Lindi B.
Due to the 2003 Medicare Modernized Act, which went into effect in June 2010, there were some changes regarding the standardized Medicare Supplement Plans. These changes did not affect Medicare beneficiaries who are already enrolled in a Medigap Plan prior to that date, and only apply to people who enrolled effective June 1, 2010 and after.Read More