Our Products: Medicare Supplement

Medicare Supplement Products may...

  • Cover copays and deductibles that are Medicare eligible expenses
  • Provide skilled nursing services
  • Provide Emergency Travel protection

Basic Description:
Medicare Supplement policies (also known as Medigap plans) help fill in gaps in Original Medicare coverage such as co-pays and deductibles for hospitalization, doctor visits and other medical services. Although these plans may cost more than Medicare Advantage plans, after paying the plan premium, there are few if any extra out-of-pocket expenses.

Medicare MarketPlace® is the easy way to get free online quotes for Medicare Supplement Insurance Plans in your area. You can buy online or speak to one of our Licensed Insurance Agents for help choosing the right plan.

Medicare does not cover all health care bills.

Medicare has deductibles and co-payments for some services.

The insured is responsible for paying the costs of services not covered by Medicare.

Standardized Medicare Supplement Insurance Plans for Most States
(excluding MA, MN and WI)

Every company offering Medicare Supplement insurance must offer Plan A. In addition, companies may have some, all, or none of the other plans.

Basic Benefits (Included in Plans A – D, F and G):

Inpatient Hospital Care: Covers the cost of Part A coinsurance and the cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends.

For Medicare Supplement insurance plans, Medical Costs: Covers the Part B coinsurance (generally 20% of Medicare-approved payment amount) or copayment amount which may vary according to the service. For hospital outpatient services, the copayment amount will be paid under a prospective payment system. If this system is not used, then 20% of eligible expenses will be paid.

Blood: Covers the first 3 pints of blood each year.

Hospice: Part A Coinsurance

Options A B C D F* G
Basic Benefits
Part A: Inpatient Hospital Deductible X
Part A: Skilled-Nursing Facility Coinsurance X X
Part B: Deductible X X X X
Foreign Travel Emergency X X
Part B: Excess Charges X X X X 100% 100%

* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,200 in 2017 before your Medigap plan pays anything. Insurance policies with a high deductible option generally cost less than those with lower deductibles.

Basic Benefits (Included in Plans K – N):

Basic Benefits for Plans K, L and N include similar services as Plans A through D, F, G and M, but cost sharing for the basic benefits is at different levels.

Options K** L** M N
Basic Benefits 100% of Part A Hospitalization Coinsurance plus coverage for 365 days after Medicare Benefits end 50% Hospice cost-sharing 50% of Medicare eligible expenses for the first three pints of Blood 50% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services 100% of Part A Hospitalization Coinsurance plus coverage for 365 days after Medicare Benefits end 75% Hospice cost-sharing 75% of Medicare eligible expenses for the first three pints of Blood 75% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services Basic, Including 100% co-insurance, except up to $20 copayment for office visit, and up to $50 copayment for ER
Skilled Nursing Coinsurance 50% Skilled Nursing Facility Coinsurance 75% Skilled Nursing Facility Coinsurance
Part A: Deductible 50% Part A Deductible 75% Part A Deductible 50% Part A Deductible
Part B: Deductible X X X X
Part B: Excess (100%) X X X X
Foreign Travel Emergency X X
At-Home Recovery X X X X
Preventive Care NOT Covered by Medicare X X X X
$4,960 Out of Pocket Annual Limit (2017) *** $2,480 Out of Pocket Annual Limit (2017) ***

**Plans K and L provide for different cost-sharing for items and services than Plans A through G and M. Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called "Excess Charges". You will be responsible for paying excess charges.

***The out-of-pocket annual limit will increase each year for inflation.

****Some states permit new and innovative benefits in addition to the basic benefits found in each plan as outlined above.