What is Not Covered by
Medicare Supplement Plans?

Medicare Supplements are only paid after Medicare has first paid its share. If Medicare approves a claim and pays its portion, the remainder is forwarded to your Medicare Supplement plan.

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Not Covered by Medicare Supplement Plans:

• Vision Care

• Dental Care

• Hearing Aids

• All Prescription Drugs

• Private-Duty Nursing

• Long-term care (help with bathing, dressing, eating or using the bathroom)

 

Choosing a Medicare Supplement:

• Medigap plans are standardized; plans with the same letter cover the same benefits, regardless of the carrier.

• Premiums vary by carrier.

• All plans are guaranteed renewable annually.

• Research and compare plans before deciding.

 

Popular Plans:

• Plan F: Covers 100% of Medicare-billed costs. (Note: It is not available for those newly eligible after 1/1/20.)

• Plan G: Similar to Plan F, you must pay the Part B deductible.

• Plan N: Lower premiums but requires copays and covers excess charges.

 

Medicare Supplement Plan F:

• It pays 100% of the costs that Medicare would bill to you.

• There are no deductibles or copays.

• Plans C & F are not available to those newly eligible after 1/1/20.

 

Medicare Supplement Plan G:

• Functions like Plan F, except you pay the Part B deductible annually.

• After the deductible, all other costs are covered.

 

Medicare Supplement Plan N:

• Lower premiums than Plan F or G.

• Requires copays: up to $20 for doctor visits and up to $50 for ER visits.

• Excess charges: some doctors bill an extra 15% above Medicare’s rate, which you pay under Plan N.