Medicare Supplements (MediGap)
How does Medigap work?
Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private companies, can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. Generally, Medigap doesn’t cover long-term care (like care in a nursing home), vision or dental services, hearing aids, eyeglasses, or private-duty nursing.
Medigap plans are standardized
Medigap must follow federal and state laws designed to protect you,
and they must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” plan, identified in most states as plans A – D, F, G, and K – N. All plans offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap plans are standardized in a different way. If you live in one of these states and want more information, visit Medicare.gov or Medicare.gov/publications to view the booklet, “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.”
Important!
Plans C and F are no longer available to people new to Medicare on or after January 1, 2020. However, if you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy Plan C or Plan F. People new to Medicare on or after January 1, 2020, have the right to buy Plans D and G instead of Plans C and F.
If you’re eligible to buy one of these plans, other policies might offer better value.
How do I compare Medigap plans?
The chart below shows basic information about the different benefits
that Medicare Supplement Insurance (Medigap) plans cover for 2021. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you’re responsible for the rest. Out-of-pocket costs (like deductibles) might change for 2022.
*Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,490 in 2022 before your policy pays anything. (You can’t buy Plans C and F if you were new to Medicare on or after January 1, 2020. See previous page for more information.)
**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($233 in 2022), the Medigap plan pays 100% of covered services for the rest of the calendar year.
***Plan N pays 100% of the Part B coinsurance. You must pay a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
Other Services We Offer
Medicare Advantage (Part C)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)
Medicare Drug Coverage (Part D)