Medigap Plans

 

How to read the chart below - If an X appears the column of the chart below then the Medigap policy will cover 100% of the described benefit. If the column lists a percentage, then the policy will cover that % of the described benefit. If the column is blank, then the policy doesn't cover that benefit. Keep in mind that the Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible). These plans are effective June 1, 2010.

 

Medicare Supplement Benefits
A
B
C
D
F*
G
K
L
M
N

Medicare Part A Coinsurance hospital costs up to an additional 365 days after Medicare benefits are used up

X
X
X
X
X
X
X
X
X
X

Medicare Part B Coinsurance or Copayment

X
X
X
X
X
X
50%
75%
X
X***
Blood (First 3 pints)
X
X
X
X
X
X
50%
75%
X
X
Part A Hospice Care Coinsurance or Copayments
X
X
X
X
X
X
50%
75%
X
X
Skilled Nursing Facility Care Coinsurance
X
X
X
X
50%
75%
X
X
Medicare Part A Deductible
X
X
X
X
X
50%
75%
50%
X
Medicare Part B Deductible
X
X
Medicare Part B Excess Charge
X
X
Foreign Travel Emergency (Up to Plan Limits)
X
X
X
X
X
X
Medicare Preventive Care Part B Coinsurance
X
X
X
X
X
X
X
X
X
X
Out of Pocket Limit**
$4,620 $2,310    

 

*Plan F also offers a high-deductible plan. This means you must pay for Medicare covered costs up to the deductible of $2,000 in 2010 before your Medicare supplement plan will pay.

**After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($155 in 2010), the Medicare supplement plan will pay 100% of covered services for the rest of the calendar year. Out-of-pocket limits are the max amount you will pay for coinsurance and copayments.

***Plan N pays 100% of the Part B coninsurance expect up to $20 copayments for office visits and up to $50 for emergency visits.

This information came from The 2010 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.