Medicare Supplemental Insurance

Medicare Supplemental, also known as Medigap, is a Health Insurance Plan which is sold by private companies that are authorized to sell Medicare Insurance. Medicare Supplemental is designed to help cover out of pocket expenses which are not covered by Original Medicare or Medicare Advantage. Some of the costs that Medicare Supplemental helps cover include coinsurance, copayments, deductibles, hospital visit costs, nursing facilities, and more. These are all options that are not completely covered under Original Medicare or Medicare Advantage. The Plans provided under Medicare Supplemental include Plan A-Plan N.

Quick quote

How does Medicare Supplemental work?

With a Medicare Supplement plan, you pay a premium every month in which your plan pays for the remaining out of pocket expenses which Medicare does not cover.
Ex: If you go to a doctor’s appointment and the bill is sent to Medicare, they will cover 80% of the fees which are promised. Now, depending on the Medicare Supplement Plan you have, your coverage will kick in and either cover a portion of the remainder or all of it.

Who is eligible for Medicare Supplemental?

If a person is already covered under Medicare Part A and B, they are automatically eligible for Medicare Supplemental (Medigap).

What does each plan of Medicare Supplemental (Medigap) cover?

This table provided by Medicare shows the updated 2020 version of what each Medicare Supplemental Plan covers.

Medigap Benefits

Medigap
Plans

A

B

C

D

F*

G*

K

L

M

N

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

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part
B coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes***

Blood
(first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part
A hospice care coinsurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled
nursing facility care coinsurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part
A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part
B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part
excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign
travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

Out-of-pocket
limit in 2020
**

N/A

N/A

N/A

N/A

N/A

N/A

$5,880

$2,940

N/A

N/A

This is the link where I got the table from, please site it.

https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies

Does Medicare Supplemental coverage include prescription drug benefits.

Medicare Supplemental (Medigap) does not cover prescription drugs. The purpose of this Insurance is to cover the expenses that Original Medicare and Medicare Advantage do not. If you decide that you need prescription drug coverage, you can purchase Medicare Part D.

Am I eligible for Medicare Supplement Insurance if I do not have Part A or Part B?

No, you need to have Medicare Part A and D to be eligible for Medicare Supplemental (Medigap).

Do I need to switch doctors if I enroll in a Medicare Supplement Plan?

No, you can keep the same doctor.