Medigap
Plan
Summaries

Medicare Suppplement Benefits

Below is a summary of benefits for all of the Medicare Supplement (aka “Medi-gap”) Plans

Medigap Plan Summaries

Please note that not all plans are available in all states. If a check mark appears in the column, then that benefit is covered at a 100%. If there is a percentage, the policy will cover that percentage of the benefit. If the row is blank, the policy does not cover that benefit. Note: Medicare Supplement policies cover coinsurance only after you have paid the deductible (unless the selected policy also covers the deductible).

Medicare Supplement Plan Details

Source: Centers for Medicare and Medicaid Services

MEDIGAP BENEFITS PLAN A PLAN B PLAN C PLAN D PLAN F PLAN G PLAN K PLAN L PLAN M PLAN N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
Medicare Part B Coinsurance or Copayment 50% 75% ✓***
Blood (First 3 Pints) 50% 75%
Part A Hospice Care Coinsurance or Copayment 50% 75%
Skilled Nursing Facility Care Coinsurance     50% 75%
Medicare Part A Deductible   50% 75%
Medicare Part B Deductible                
Medicare Part B Excess Charges                
Foreign Travel Emergency (Up to Plan Limits)        
  Out-of-Pocket Limit**  
  $4,660 $2,330  
*Plan F also offers a high deductible plan. If you choose this option, this means you must pay for Medigap – covered cost of to the deductible amount of $2000 in 2011 before year Medigap plan pays anything.
**After you meet your out-of-pocket annual limit and your annual Part B deductible ($162 in 2011), 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 results in an inpatient admission.

Do You Know About The Medicare Supplement “Birthday Rule”?

If you have a Medicare Supplement Plan in California that you are not happy with, Medicare allows you to switch plans a month before, during or after your birthday month. This is known as the “Birthday Rule”. There are no plan restrictions. You can change plans, carriers or both. However, you can only switch medicare supplement plans. You cannot move from a medicare supplement plan to a medicare advantage plan.