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
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