Types of Medigap Plans
You must be enrolled in Medicare Parts A and B in order to purchase a Medigap plan. In 47 states, there are 10 standard designs of Medicare Supplement Insurance. They cover different levels of out-of-pocket costs within Original Medicare Parts A & B. Using the links below, you can see what is covered by each of the 10 Medicare Supplement plan types.
Get to Know Medigap
The 6-month period from the time you turn 65 and enroll in Medicare Part B is the best time to enroll in Medigap. This is because insurers cannot turn down your application during this 6-month open enrollment period. Typically Medigap policies do not cover hearing aids, long-term care, dental care, or vision care.
Massachusetts, Minnesota, and Wisconsin have state-specific Medigap plan designs. Three states do not require the 10 standard Medigap plans.
Medigap Plan Comparision
| Part A hospital coinsurance and 365 extra hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part A Deductible | x | 100% | 100% | 100% | 100% | 100% | 50%* | 75%* | 50%* | 100% |
| Part B coinsurance or copays | 100% | 100% | 100% | 100% | 100% | 100% | 50%* | 75%* | 100% | 100% except certain copays* |
| Part B annual deductibles | x | x | 100% | x | 100% | x | x | x | x | x |
| Part B excess charges | x | x | x | x | 100% | 100% | x | x | x | x |
| Cost of blood transfusion (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50%* | 75%* | 100% | 100% |
| Cost of foreign travel emergency (up to the plan limits) | x | x | 80% | 80% | 80% | 80% | x | x | 80% | 80% |
| Hospice care coinsurance cost | 100% | 100% | 100% | 100% | 100% | 100% | 50%* | 75%* | 100% | 100% |
| Skilled nursing facility care coinsurance | x | x | 100% | 100% | 100% | 100% | 50%* | 75%* | 100% | 100% |
| Yearly out-of-pocket limit | No Limit | No Limit | No Limit | No Limit | No Limit | No Limit | $4,940 | $2,470 | No Limit | No Limit |
*100% after you reach your yearly out-of-pocket limit
*$20 copay for doctor visit and $50 copay for ER visit
