Medigap Policies are Standardized

Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as “Medicare Supplement Insurance”. Insurance companies can sell you only a standardized policy identified in most states by letters.

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one best meets your needs

Medigap Benefits Plan A Plan B Plan C Plan D Plan E Plan F* Plan G Plan K Plan L Plan M Plan N
Part A
Coinsurance and hospital cost up to an additional365 days after Medicare benefits are used up
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B
Coinsurance or copayment
Yes Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes***
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A
hospice care, coinsurance or copayment
Yes Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance Yes Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A Deductible No Yes Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B Deductible No No No No No Yes No No No No No
Part B Excess Charges No No No No No Yes Yes No No No No
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A N/A $4,940 $2,470 N/A N/A

*Plan F offers a high deductible plan of $2,180 in 2015

**After you meet your –out-of-pocket yearly limit and your yearly part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in inpatient admission.

Please use an independent broker when selecting your Medicare Supplement and remember at the Medicare Pro we provide the “Best Priced Medicare Supplements WE Promise!”