What Is Supplemental Medicare Or Medigap?

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May 18, 2021

What Is Supplemental Medicare Or Medigap?

Supplemental Medicare, or Medigap, is insurance that helps fill gaps in original medicare and is sold by private companies. Medigap plans help pay for additional things like copay, coinsurance and deductibles.

Medigap Plans

Medigap plans are standardized and sold by plan letter. Different plans offer different benefits, here is a list of medigap plans and what they include.

A

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

N/A

B

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Part A deductible

Yes

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

N/A

C

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Yes

Part A deductible

Yes

Part B deductible

Yes

Part B excess charge

Foreign travel exchange (up to plan limits)

80%

Out-of-pocket limit**

N/A

D

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Yes

Part A deductible

Yes

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

80%

Out-of-pocket limit**

N/A

F

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Yes

Part A deductible

Yes

Part B deductible

Yes

Part B excess charge

Yes

Foreign travel exchange (up to plan limits)

80%

Out-of-pocket limit**

N/A

G

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Yes

Part A deductible

Yes

Part B deductible

Part B excess charge

Yes

Foreign travel exchange (up to plan limits)

80%

Out-of-pocket limit**

N/A

K

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

50%

Blood (first 3 pints)

50%

Part A hospice care coinsurance or copayment

50%

Skilled nursing facility care coinsurance

50%

Part A deductible

50%

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

$5,880 in 2020 ($6,220 in 2021)

L

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

75%

Blood (first 3 pints)

75%

Part A hospice care coinsurance or copayment

75%

Skilled nursing facility care coinsurance

75%

Part A deductible

75%

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

$2,940 in 2020 ($3,110 in 2021)

M

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Yes

Part A deductible

50%

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

80%

Out-of-pocket limit**

N/A

N

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Part B coinsurance or copayment

Yes

Blood (first 3 pints)

Yes

Part A hospice care coinsurance or copayment

Yes

Skilled nursing facility care coinsurance

Yes

Part A deductible

Yes

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

80%

Out-of-pocket limit**

N/A

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If you qualify for the Medicare Savings Program, Medicaid, or LIS, better plan options may open up so it is imperative to get a Medicare Plan Review done to make sure you are receiving the best healthcare benefits available.

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What Is Supplemental Medicare Or Medigap?

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Written by: Benavest

Medicare

0 Comments

May 18, 2021

What Is Supplemental Medicare Or Medigap?

Medigap Plans

A

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

B

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

C

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

D

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

F

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

G

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance

Part A deductible

Part B deductible

Part B excess charge

Foreign travel exchange (up to plan limits)

Out-of-pocket limit**

K

Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Part B coinsurance or copayment

Blood (first 3 pints)

Part A hospice care coinsurance or copayment

Skilled nursing facility care coinsurance