Supplements to Medicare: A Comparison of Coverage

There are currently 10 different Medicare Supplement Plans available for purchase. These plans are standardized. Any insurance company that sells Medigap policies is required to offer Plan A and if offering more options, Plan C and F must be included. While not a complete list, the following basic benefits/coverage is offered by each plan. Please contact an agent for more information and to find the right plan for you.

Plan A:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used), Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%

Plan B:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Part A deductible, Covered at 100%

Plan C:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Skilled nursing facility care coinsurance , Covered at 100%
Part A deductible, Covered at 100%
Part B deductible, Covered at 100%

Plan D:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Skilled nursing facility care coinsurance , Covered at 100%
Part A deductible, Covered at 100%

Plan F:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Skilled nursing facility care coinsurance , Covered at 100%
Part A deductible, Covered at 100%
Part B deductible, Covered at 100%
-Part B excess charges, Covered at 100%

Plan G:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Skilled nursing facility care coinsurance , Covered at 100%
Part A deductible, Covered at 100%
Part B excess charges, Covered at 100%

Plan K:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 50%
Blood (first 3 pints), Covered at 50%
Part A hospice care coinsurance or copayment, Covered at 50%
Skilled nursing facility care coinsurance , Covered at 50%
Part A deductible, Covered at 50%
-After you meet your out of pocket yearly limit and your yearly Part B deductible ($147 in 2015), the Medigap plan pays 100% of covered services for the rest of the calendar year.

Plan L:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 75%
Blood (first 3 pints), Covered at 75%
Part A hospice care coinsurance or copayment, Covered at 75%
Skilled nursing facility care coinsurance , Covered at 75%
Part A deductible, Covered at 75%
-After you meet your out of pocket yearly limit and your yearly Part B deductible ($147 in 2015), the Medigap plan pays 100% of covered services for the rest of the calendar year.

Plan M:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Skilled nursing facility care coinsurance , Covered at 100%
Part A deductible, Covered at 50%

Plan N:

-Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) Covered at 100%
-Medicare Part B coinsurance or copayment, Covered at 100%
Blood (first 3 pints), Covered at 100%
Part A hospice care coinsurance or copayment, Covered at 100%
Skilled nursing facility care coinsurance , Covered at 100%
Part A deductible, Covered at 100%

Source: http://www.insurance.ca.gov/01-consumers/105-type/75-medsupp/upload/ChoosingAMedigapPolicy.pdf