Original Medicare Part A and Part B has a variety of deductibles, co-payments, and other out-of-pocket costs. Medicare Supplement insurance plans, also known as Medigap plans, can pay for those out-of-pocket costs which can simplify your healthcare expenses. These insurance plans work alongside Medicare Part A and Part B.
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.
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.
|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
HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan.