Medicare Supplement Plans

If you have moderately frequent hospital or doctor visits, you may already know that Original Medicare comes with out-of-pocket costs. Medicare Supplement insurance, also known as Medigap plans, are aimed to work with Original Medicare (Medicare Part A and Part B). Medigap will fill in gaps in benefits left behind by Medicare by paying some of the out-of-pocket costs such as deductibles, copayments, and coinsurance.

Because Medigap plans are regulated by the U.S. federal government, the benefit of a particular Medigap plan is exactly the same, no matter the private insurer you choose. The differences are in the customer service and price of the plan.

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Basic Benefits of Medicare Supplement Plan

Medigap insurance plans are identified by the letters A, B, C, D, F, G, K, L, M, and N. Each Medicare Supplement plan covers a different set of costs, while some of the plans like Plan A cover basic benefits, other plans like Plan G cover a comprehensive range of healthcare costs. Each plan provides a different level of basic benefits, but each lettered Medigap plan must have the same standardized basic benefits, no matter the location and insurance company. For instance, Medigap Plan G in New Jersey includes the same basic benefits as Medigap Plan G in Texas.

However, if you live in Wisconsin, Massachusetts, or Minnesota, your Medigap plan options are different than in other states. Medigap plans don’t cover long-term care, vision, dental, or hearing aids, but all the Medicare Supplement plans must cover at least the basic benefits like Part A coinsurance costs, Medicare Part B coinsurance/copayments, Medicare Part A hospice care coinsurance/copayments, and the first 3 pints of blood using during a medical procedure.

How Medicare Supplement Plans Work with Other Plans

Medigap plans are designed to pay for gaps in Part A and Part B coverage, and no other health insurance plans such as Medicare Part C plans or stand-alone Medicare drug plans. In fact, it is not possible for a private health insurance company to sell a Medigap plan if you already have a Medicare Part C plan or Medicaid.

If you need help determining your Medigap coverage needs, Great Nation Insurance Medicare agents are ready to answer your questions. Get in touch with us today!