Medicare Supplement Plans

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Features of Medicare Supplements

If you only have Original Medicare (Parts A and B), you could have hundreds to thousands of dollars in out-of-pocket costs. Medicare Supplement plans can provide peace of mind by helping with some of these costs.​

Predictable costs help you stay ahead of unexpected out-of-pocket expenses. 

No network restrictions mean you can see any doctor who accepts Medicare patients.

You don't need a referral to see a specialist. 

Coverage goes with you anywhere you travel in the U.S.

There is a range of plans available to fit your health needs and budget goals. 

Purchasing a Medicare Supplement Plan and a Medicare Part D prescription drug plan could give you more complete coverage. 

Guaranteed coverage for life means your plan can't be canceled.

How Does It Work?
Seniors Socializing

Medicare Supplement plans, also known as "Medigap", are standardized plans. Each plan has a letter assigned to it and offers the same basic benefits. The basic benefit structure for each plan is the same, no matter which insurance company is selling it to you.

 

Medicare Supplement plans don't replace Original Medicare. Instead, Medicare Supplement plans work alongside your Original Medicare coverage to help cover some of the costs that you would normally have to pay for on your own.  It is designed to help with the 20% in out-of-pocket expenses not paid by Medicare Part A and B for medical expenses (after the annual deductible is met). These out-of-pocket expenses can really add up.  Supplement Plans give you more control over your healthcare.

Examples of How Supplements Work
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Part A
 Part A coinsurance and most plans include a benefit for the Part A deductible.
 Hospital coverage up to an additional 365 days after Medicare benefits is used up.
 Part A hospice/respite care coinsurance or copayment.
 The First 3 pints of blood you use each year.

Part B
 Medicare Part B coinsurance or copayment after you meet your yearly Part B deductible ($198 in 2020).
 The First 3 pints of blood you use each year.

Additional Benefits On Some Plans
Nursing Home

These benefits could include:

Part A deductible

Skilled nursing facility care

Part B excess charges, if a provider charges more than the Medicare-approved Part B charge*

Foreign travel emergency care

Benefits and costs vary depending on the Medicare Supplement plan you choose.