Medicare Supplement Insurance Options
Private insurance companies sell Medicare Supplement Insurance. There are 12 standardized plans — named A through L — plus two “high deductible” options. While coverage under a standardized plan is exactly the same regardless of the issuing company, premiums may vary widely by company and geography.
Companies offering Medicare Supplement Insurance normally do not offer all 12 plans. The following 8 plans are commonly available and are popular with many Medicare beneficiaries: A, B, C, D, E, F, G, and High Deductible F. All plans include the “Basic Coverage” which makes up Plan A.
COMPARE MEDICARE SUPPLEMENT PLANS
BASIC BENEFITS: Included in All Plans
Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
Medical Expenses: Part B coinsurance (20% of Medicare-approved expenses)
Blood: First three pints of blood each year
| Basic Benefits | Skilled Nursing Coinsurance | Part A Deductible | Part B Deductible | Part B Excess (80%) | Part B Excess (100%) | Foreign Travel Emergency | At-Home Recovery | Preventive Care | |
| PLAN A | √ | ||||||||
| PLAN B | √ | √ | |||||||
| PLAN C | √ | √ | √ | √ | √ | ||||
| PLAN D | √ | √ | √ | √ | √ | ||||
| PLAN E | √ | √ | √ | √ | √ | ||||
| PLAN F | √ | √ | √ | √ | √ | √ | |||
| PLAN F High Deductible | √ | √ | √ | √ | √ | √ | |||
| PLAN G | √ | √ | √ | √ | √ | √ |
Go to Additional Resources section for information to help determine which plan option best fits your needs.
Plan A
The basic Medicare Supplement plan. It provides coverage for:
• Part A Hospital coinsurance (Days 61-90)
• Lifetime Reserve coinsurance (Days 91-150)
• 365 Lifetime Hospital Days
• Parts A and B Blood
• Part B Coinsurance
Plan B
Offers all the benefits of Plan A plus:
• Part A Hospital Deductible (Days 1-60)
Plan C
Offers all the benefits of Plan B plus:
• Skilled nursing facility coinsurance (Days 21-100)
• Part B Annual Deductible
• Foreign travel emergency coverage
Plan D
Offers basically the same benefits of Plan C, but does not pay the Part B deductible. It also offers:
• At-Home Recovery up to $40 per visit, maximum of $1,600 per year.*
Plan E
Offers basically the same benefits of Plan C, but does not pay the Part B deductible. It also offers:
• Preventive Care Benefit (up to $120 per year)*
Plan F
Offers the same benefits as Plan C plus:
• Medicare Part B Excess Charge coverage at 100%
Plan F – High Deductible Offers all the benefits of Plan F with a much lower premium, but a deductible must be paid first.
Plan G
Offers basically the same benefits of Plan F, but does not pay the Part B deductible. It also offers:
• At-Home Recovery up to $40 per visit, maximum of $1,600 per year*
• Medicare Part B Excess Charge coverage at 80%
Click here to return to the Comparision Chart.
* These are 2006 deductible amounts which can change every year. Please consult the latest version of 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.
