​Standardization:

• All Medicare Supplement plans must follow Medicare guidelines set in 1990.

• Each plan is identified by a letter and offers the same benefits across companies.

 

Coverage Options:

• Plans cover 50% to 100% of:

  • Medicare Part A coinsurance

  • Medicare Part B coinsurance

  • Blood (first three pints)

  • Part A Hospice Care coinsurance

  • Skilled nursing facility coinsurance

  • Medicare Part A deductible

  • Medicare Part B deductible

  • Medicare Part B excess charges

 

Blood Coverage:

• Medicare does not cover the first three pints of blood yearly.

• All Medigap plans cover these three pints, with Medicare covering any additional blood needed.

 

Foreign Travel Emergency:

• Plans C, D, F, G, M, and N cover up to 80%.

 

High-Deductible Options:

• Plans F and G have high-deductible options, meaning a higher yearly deductible for a lower monthly premium.

 

Medicare Supplements:

• Additional costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles, should be covered.

• Do not provide extra benefits like Medicare Advantage but alleviate out-of-pocket expenses under Original Medicare.