Medicare

Standardized Medicare Supplemental Insurance Plans for Most States (excluding MA, MN, and WI)

All companies offering Medicare Supplement insurance must offer Medigap Plan A. Companies may additionally offer some, all, or none of the other plans. The chart below gives you a quick look at the standardized Medigap Plans A through N and their benefits. Not all types of Medigap policies may be available in your state.

2011 Medicare Deductibles and Coinsurance:

Part A Inpatient Hospital Deductible: $1,132.00
Hospital Coinsurance: days 61-90 $283.00 and days 91-150 (lifetime reserve) $566.00
Skilled Nursing Facility Care Coinsurance: days 21-100 $141.50
Part B Physician's Services and Supplies Deductible: $162.00
 
Medigap Plan
A
B
C
D
F*
G
K**
L**
M
N
Medicare Part A Coinsurance plus coverage for 365 Additional Days after Medicare benefits end.
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 Copayment
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 Charges
       
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
* Medigap Plan F also offers a high-deductible option.
** After meeting the out-of-pocket yearly limit and your yearly Part B deductible for Plan K or L, the plan pays 100% of covered services for the remainder of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for office visits, and up to $50 for emergency visits.

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