Table of Contents:

  1. Plan A
  2. Plan B
  3. Plan C
  4. Plan D
  5. Plan F
  6. Plan G
  7. Plan K
  8. Plan L
  9. Plan M
  10. Plan N

Original Medicare beneficiaries have a number of options for filling in the program’s gaps and managing their out-of-pocket costs. One popular way to cover copays, coinsurance, and deductibles is through Medicare Supplement insurance or Medigap.

Like Medicare Advantage coverage, Medicare Supplement plans are sold by private insurers. The programs differ, however, in how they support beneficiaries. While Medicare Advantage serves as an alternative to Original Medicare and broadens the program’s scope, Medicare Supplement plans help pay for services that Original Medicare already covers.

There are ten different types of Medicare Supplement insurance, each represented by a letter. Access to Medicare Supplement plans varies across the country, but each plan’s features are standardized at the national level. Providers must adhere to specific guidelines and they must offer Medicare Supplement Plan A if they offer any Medicare Supplement plans.

All ten plans provide a standard level of coverage:

  • 100% of inpatient expenses for a full year after Medicare Part A benefits have been exhausted
  • Medicare Part B copayments and coinsurance charges (all but Plan L and Plan K cover 100% of these costs)
  • Up to three pints of blood used during surgery or other medical procedures (all but Plan L and Plan K cover 100% of these costs)
  • Coinsurance and copayment charges for hospice care services covered under Original Medicare (all but Plan L and Plan K cover 100% of these costs)

Medicare Supplement plans are categorized differently in Massachusetts, Minnesota, and Wisconsin.

Medicare Supplement Plans

Here’s a closer look at the ten Medicare Supplement insurance plans available to beneficiaries across the country.

Plan A

Medicare Supplement insurance Plan A covers 100% of charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare

Medicare Supplement insurance Plan A does not cover the following expenses:

  • Original Medicare deductibles
  • Coinsurance charges for treatment in a skilled nursing facility (SNF)
  • Excess charges associated with Medicare Part B
  • Emergency care in foreign countries

Plan B

Medicare Supplement insurance Plan B covers 100% of charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Medicare Part A deductible
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare

Medicare Supplement insurance Plan B does not cover the following expenses:

  • Medicare Part B deductible
  • Excess charges associated with Medicare Part B
  • Coinsurance charges for treatment in an SNF
  • Emergency care in foreign countries

Plan C

Medicare Supplement insurance Plan C covers 100% of the charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Original Medicare deductibles
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

If treatment begins within the first 60 days of a trip abroad, Plan C covers 80% of approved emergency care costs. Medicare Supplement insurance Plan C does not help beneficiaries cover any excess charges associated with Medicare Part B. Please note that Plan C isn’t available to people who were newly eligible for Medicare on or after January 1, 2020.

Plan D

Medicare Supplement insurance Plan D covers 100% of the charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Medicare Part A deductible
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

If treatment begins within the first 60 days of a trip abroad, Plan D covers 80% of approved emergency care costs. Medicare Supplement insurance Plan D does not cover the Medicare Part B deductible or any excess charges associated with Part B.

Plan F

Medicare Supplement insurance Plan F covers 100% of the charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Original Medicare deductibles
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

If treatment begins within the first 60 days of a trip abroad, Plan F covers 80% of approved emergency care costs. Please note that, as explained below, Plan F is not available to an individual who became eligible for Medicare on or after January 1, 2020.

Plan G

Medicare Supplement insurance Plan G covers 100% of the charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Medicare Part A deductible
  • Medicare Part B coinsurance charges and copayments
  • Medicare Part B excess charges
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

Some states offer a special high-deductible version of Medicare Supplement insurance Plan G. In 2021, beneficiaries who opt into this plan must cover $2,370 in Medicare-approved expenses before their plan will take effect.

Plan K

Once Original Medicare’s benefits have been exhausted, Medicare Supplement insurance Plan K covers 100% of inpatient hospital expenses for up to a year. Plan K covers 50% of the charges associated with the following:

  • Medicare Part A deductible
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

Plan K begins to cover 100% of these charges once beneficiaries have spent more than $6,220 on Medicare-approved expenses and paid their Part B deductible. It provides this coverage throughout the rest of the calendar year.

Medicare Supplement insurance Plan K does not cover the following expenses:

  • Medicare Part B deductible
  • Excess charges associated with Medicare Part B
  • Emergency care in foreign countries

Plan L

Once Original Medicare’s benefits have been exhausted, Medicare Supplement insurance Plan L covers 100% of inpatient hospital expenses for up to a year. Plan K covers 75% of the charges associated with the following:

  • Medicare Part A deductible
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

Plan L begins to cover 100% of these charges once beneficiaries have spent more than $3,110 on Medicare-approved expenses and paid their Part B deductible. It provides this coverage throughout the rest of the calendar year.

Medicare Supplement insurance Plan L does not cover the following expenses:

  • Medicare Part B deductible
  • Excess charges associated with Medicare Part B
  • Emergency care in foreign countries

Plan M

Medicare Supplement insurance Plan M covers 100% of the charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Medicare Part B coinsurance charges and copayments
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

Plan M covers 50% of the Part A deductible and covers up to 80% of foreign emergency care if treatment begins within the first 60 days of a trip abroad. It does not cover the Medicare Part B deductible or any excess charges associated with Part B.

Plan N

Medicare Supplement insurance Plan N covers 100% of the charges associated with the following:

  • Expenses for in-patient treatment in a hospital for up to a year after Medicare Part A benefits have been exhausted
  • Part B coinsurance charges
  • Up to three pints of blood used in surgery or other medical procedures
  • Coinsurance charges and copayments for hospice care services covered under Original Medicare
  • Coinsurance charges for treatment in an SNF

Plan N pays 100% of the Part B coinsurance except for a copayment of up to $20 for visits to certain providers and $50 for any hospital visits that do not require admittance.

If treatment begins within the first 60 days of a trip abroad, Plan N covers 80% of approved emergency care costs. It does not cover the Medicare Part B deductible or any excess charges associated with Part B.

Medicare Supplement: Changes for 2020

Since 2020, Medicare Supplement plans no longer cover a new beneficiary’s Part B deductible. As such, the popular Medigap C and F plans are no longer available to newly-eligible individuals. The rule does not apply to beneficiaries who first became eligible for Medicare prior to January 1st, 2020.

 

Information adapted from the Centers for Medicare & Medicaid Services