Medigap Plans Demystified
Medigap Health Insurance Plans A-L
Sometimes it’s great to have lots of choices in life, but when it comes to supplementing your Original Medicare coverage, it would be nice if it were a little less confusing. Hopefully this page helps!
Scroll down for a comprehensive summary of Medigap plans A-N
- Medigap (Medicare Supplement) Highlights:
- Fills the gaps in Original Medicare
- Purchased through a private insurance company
- Original Medicare pays first, then the Medigap plan
- Doesn’t include Part D prescription coverage
- Enables you to go to all hospitals and most doctors
All Medicare Supplement (Medigap) plans are standardized. What that means is “plan F” purchased from one insurance company has the exact same benefits as “plan F” purchased from another.
- What CAN differ is:
- The price of the monthly premium
- Your level of trust in a particular insurance company
- The quality of customer service
*New! The 2010 Modernized Plans are now here! (effective dates of June 1st, 2010)
- What has changed?
- No longer plans E, H, I, and J.
- NEW plans, M & N
- Limited underwriting on plan N
- California premiums changing to unisex as of 6/1/2010
(Starting with the Most Popular Plans)
Remember, these plans are designed to cover the gaps that Original Medicare doesn’t cover.
For a more in depth view of plan coverage and a visual chart, visit www.medicare.gov.
*Helpful Tip
As you scroll down, the choices may seem overwhelming. You can start by comparing how many items each plan covers. Some plans only list 2 or 3, while others list many.
Or, start by choosing one or two areas of coverage that are important to you (i.e. Skilled Nursing beyond 20 days) and find the plans that include that. Then choose the next important item of coverage, and so on.
- Covers
- Extra 20% of medical expenses that Medicare Part B doesn’t cover
- Hospital deductible of $1100
- Catastrophic hospital expenses *
- Skilled Nursing Facility days 21-100
- 100% of Part B Excess charges
- Part B Deductible of $155
- Foreign Travel Emergency
- Does Not Cover
- At Home Recovery
- Preventive Care
*(beyond 60 days up to 150 days, plus an additional 365 days)
High Deductible Plan F
This plan is identical to plan F except you must pay a $2000 deductible before the plan benefits kick in. This lowers the monthly premium considerably.
- Covers
- Extra 20% of medical expenses that Medicare Part B doesn’t cover
- Hospital deductible of $1100
- Catastrophic hospital expenses *
- Skilled Nursing Facility days 21-100
- 80% of Part B excess charges
- Foreign Travel Emergency
- At Home Recovery
Does Not Cover
- Part B Deductible of $155
- Preventive Care
*(beyond 60 days up to 150 days, plus an additional 365 days)
- Covers
- Extra 20% of medical expenses that Medicare Part B doesn’t cover
- Catastrophic hospital expenses*
Does Not Cover
- Hospital deductible of $1100
- Part B deductible of $155
- excess skilled nursing expenses after 20 days
- At home recovery
- Foreign travel emergency
- Preventive care
- Part B excess charges
- Covers
- Extra 20% of medical expenses that Medicare Part B doesn’t cover
- Hospital deductible of $1100 (different from Plan A)
- Catastrophic hospital expenses *
Does Not Cover
- Part B deductible of $155
- Excess skilled nursing expenses after 20 days
- At home recovery
- Foreign travel emergency
- Preventive care
- Part B excess charges
- Covers
- Extra 20% of medical expenses that Medicare Part B doesn’t cover
- Catastrophic hospital expenses *
- Hospital deductible of $1100 (different from Plan A)
- Part B deductible of $155 (different from Plans A, B)
- Skilled Nursing Facility days 21-100 *different from Plans A, B
- Foreign Travel Emergency *different from Plans A, B
Does Not Cover
- At Home Recovery
- Preventive Care
- Part B excess charges
(Might be for you if you don’t mind paying the $155 part B deductible, but would like “At Home Recovery”)
Covers
Does Not Cover
One of the lowest premium plans
- Covers
- Extra Medical expenses that Part B doesn’t cover
- 50% of Skilled Nursing Facility charges days 21-100
- 50% of the $1100 Hospital deductible
Does Not Cover
- Part B deductible of $155
- Part B excess charges
- Foreign Travel Emergency
- At Home Recovery
- Preventive Care
- Covers
- Extra Medical expenses that Part B doesn’t cover
- 75% of Skilled Nursing Facility charges days 21-100
- 75% of the $1100 Hospital deductible
Does Not Cover
- Part B deductible of $155
- Part B excess charges
- Foreign Travel Emergency
- At Home Recovery
- Preventive Care
Covers
Does Not Cover
Covers
Does Not Cover
The Insurance companies I represent for Medicare Supplement are
Aetna,
Blue Cross,
Blue Shield,
United Health Care
United World (Mutual of Omaha).
To request a quote on any of these plans, visit my Contact Me page.
San Diego, Chula Vista, El Cajon, Poway, La Jolla, Encinitas, Carlsbad, Oceanside, Vista, Fallbrook, San Marcos, Escondido.
I’m available for appointments in any of these areas, as well as Temecula in Riverside county.
If you live outside of my service area, but are still in the state of CA, I can still help you with your insurance needs over the phone.
