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The Ultimate Medicare Supplement Plans Comparison Chart in 2019

Medicare coverage is an essential life tool for many older adults and some lower-income Americans, regardless of health. But what happens when you need expensive medical treatment that exceeds the limits of your Medicare benefits? Health problems are stressful enough without the added complications and constant pressure that comes from mounting medical bills.

Medicare Supplement plans, or “Medigap” plans, to help ease that burden, but choosing among the many different plans can be confusing, at best. Below, we will analyze a Medicare Supplement plan comparison chart and break down your choices in an informative, user-friendly way.

What is a Medicare Supplement Plan Comparison Chart?

If you receive healthcare benefits through Medicare Part A and Medicare Part B, you know that these plans typically require you to pay a regular premium for regular medical expenses, and then a deductible or coinsurance for any large-ticket healthcare costs such as hospital stays and outpatient therapy.

Medicare Supplement Plans are commonly referred to as “Medigap” plans because they bridge that gap between what Medicare Part A or Part B cover and the actual amount you owe for your treatment and/or procedures. You purchase a Medigap plan to limit the out-of-pocket expenses that either you or your family must come up with in times of health trouble.

There are 10 Medigap plans commonly offered in the United States, and it’s essential to check out a Medicare Supplement plan comparison chart to assess the various benefits and drawbacks of each plan.

medicare supplement plan f benefit chart

What Medicare Supplement Plan is Right for You?

Although all 10 Medicare Supplement plans on the chart share common features, each plan is a little bit different. In choosing which Medicare Supplement plan

is right for you, it might be helpful to know what others in a similar position have chosen.

In recent years, Medicare Supplement plans F, G, and N have become the most popular among Medicare beneficiaries, with Plan F leading the way. More than half of the people who choose to purchase Medigap plans go with Plan F because it’s the most comprehensive Medicare Supplement plan on the comparison chart with the fewest out-of-pocket expenses. In short, Plan F is the best at “closing the gap” between what Medicare Parts A and B cover and what they do not.

Of course, that means Plan F has the highest premium. Plans G and N are popular because they are also quite comprehensive but demand lower annual premiums. Both Plan G and Plan N still leave a little of the gap we talked about earlier, so there will be some out-of-pocket expenses involved if Medicare Part A or Part B do not cover all your medical costs.

You may require more details to help you decide on the right Medicare Supplement plan, and that’s where a Medicare Supplement plan comparison chart comes in. In the next section, we’ll take a look at some specific ways in which the 10 Medigap plans compare to one another.

Medicare Supplement Plans Comparison Chart Overview

Every year, Medicare releases a very helpful Medicare Supplement plan comparison chart that allows people shopping for Medigap insurance to quickly view the 10 plans side by side and compare their features, or lack thereof.

medicare supplement insurance plan comparison chart

*Except for copayment for some office visits and emergency room visits that do no result in an inpatient admission.

**After you meet your out-of-pocket limit and annual Part B deductible, Medigap will pay for covered service at 100% for the remainder of the calendar year.

Remember: Not all Medigcare Supplement plans on the comparison chart are offered by every state and will also vary depending on insurance company.

Medicare Supplement Plan A:

A bare-bones Medigap plan that covers the basics.

Medicare Supplement Plan B:

This plan is the same as Plan A except it covers the Medicare Part A deductible.

Medicare Supplement Plan C:

A very comprehensive plan that covers almost all the same bases as Plan F, except  any excess costs that arise after the Medicare Part B deductible. In other words, your deductible is covered, but anything above that you must pay out of pocket.

Medicare Supplement Plan D:

Almost identical to Plan C, but you must pay both the Medicare Part B deductible and any excess costs beyond that.

Medicare Supplement Plan G:

A popular plan because it covers almost all the expenses left over from Medicare Part A or Part B, but it does not cover the Part B deductible. This is the sole difference between Medigap Plans G and F when looking over the Medicare Supplement plans comparison chart. Learn more about Medicare Plan G.

Medicare Supplement Plan F:

As discussed above, Plan F is popular because it leaves no gap – or, covers 100 percent of the costs – after the benefits from Medicare Parts A and B have reached their limit. It also covers the Medicare Part B deductible, which sets it apart from the other most popular plans. Like Plans C, D, G, M, and N, Plan F covers some of the expenses incurred if you must seek urgent care abroad. Learn more about Medicare Plan F.

Medicare Supplement Plans K, L, M:

Typically, these plans are lumped together for two reasons. One, they’re similar, and two, they’re not very popular. None of these plans covers either the Medicare Part A or Part B deductible, and only cover a percentage of the other costs.

Medicare Supplement Plan N:

Although Plan N offers lower premium rates than Plans G and F, it does require you to cover the Part B deductible, as well as your the co-pays for your doctor and emergency room visits. Learn more about Medicare Plan N.

While viewing the Medicare Supplement plan comparison chart, it’s important to note some changes that are on the horizon. In 2020, federal regulations will stop allowing Medigap plans to cover the Medicare Part B deductible, thereby precluding any new Medicare beneficiaries from enrolling in Plan F or Plan C. It’s predicted that, as a result, Plan G will be a much more popular choice among the 10 plans in 2020.

How to Enroll in a Medicare Supplement Plan

Now that you’ve consulted the Medicare Supplement plan comparison chart and decided on which plan offers you the most cost-effective and comprehensive coverage, we can help you begin the process of enrollment.

Naturally, that starts with how much it’s going to cost you. Rates vary depending on a number of factors, including where you live and your specific health insurance company, but we can help you find out what’s offered in your state. We can also help you compare rates from company to company with our online quote estimate tool, or apply for coverage using our toll-free phone line.

To address your questions and concerns about the Medicare Supplement plan comparison chart or Medicare Supplement insurance in general, call our licensed insurance professionals today.

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