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Medicare Supplement Plan B

Medicare Supplement insurance plans, also known as Medigap plans, come in 10 standard designs in most states (except Massachusetts, Minnesota, and Wisconsin). These plans cover differing levels of out-of-pocket costs associated within the original Medicare Parts A & B. Plan B’s benefits cover half of the ten categories of out-of-pocket costs - coverage items are outlined below.

Plan B Coverage
Medicare Part A Deductible100% coverage
Medicare Part B “Excess Charges”*No coverage
Copayment or Co-Insurance Fee for Medicare Part B servicesNo coverage
Part A Co-Insurance Fees & Hospital Costs for up to 365 days after Original Medicare Benefits are Exhausted100% coverage
Cost of first 3 Pints of Blood100% coverage
Copayment or Co-Insurance Fee for Medicare Part A Hospice Care100% coverage
Co-Insurance Fees for Skilled Nursing Facility CareNo
Foreign Travel Medical Emergency Coverage (up to plan limits)No
Annual Limit on Enrollee Out-of-Pocket Expenses?Not applicable

As noted above, an enrollee’s deductible for hospital services (Part A) is covered by Plan B but the deductible for medical services (Part B) is not covered.

Sometimes Medicare enrollees confuse Medicare Part B for Medigap Plan B. “Part B” is the program within the government’s Medicare benefit that covers medical services. “Plan B” is a private insurance plan used to supplement Medicare coverage and pay for some of the out-of-pocket costs that Medicare has enrollees pay.

If you are interested in coverage for all the out-of-pocket costs listed in the above table, consider Plan F.

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