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FAQ: What are the Benefits of Different Medicare Supplement Plans?

What Are the Benefits of Different Medicare Supplement Plans?

To understand which Medicare Supplement plan offers the Medicare-covered benefits that you need, you must first understand the benefits of Medicare Part A and B. Then, you can see what additional coverage you can receive from the standard supplement plans.


What Are the Benefits of Original Medicare?

Medicare Part A (Hospital)

  • Hospice care
  • Home health care
  • Skilled nursing facility care
  • Inpatient care within a skilled nursing facility (not covering custodial or long-term care)
  • Inpatient care in a hospital

Medicare Part B (Medical)

This Medicare policy covers medically necessary services and preventative services such as:

  • Partial hospitalization
  • Ambulance services
  • Clinical research
  • Mental health (inpatient and outpatient)
  • Durable medical equipment
  • Getting a second opinion before surgery
  • Limited outpatient prescription drugs

What Care Is NOT Covered By Part A and Part B?

Generally, Part A and Part B will not cover:

  • Long-term care
  • Eye exams for prescribing glasses
  • Hearing aids and exams for correctly fitting them
  • Most dental care, including dentures
  • Emergency medical care while traveling abroad
  • Routine foot care
  • Cosmetic surgery
  • Acupuncture

What Are the Benefits of Medicare Supplement Plans?

Medicare Supplement insurance can provide coverage for items that aren’t covered by Original Medicare and can help with out-of-pocket costs such as deductibles and copays.

Medicare Plan A

Plan A is ideal for someone who wants a little extra coverage but doesn’t expect to use many healthcare services. It covers basic Medicare benefits for hospitalization and medical expenses.

Medicare Plan B

Plan B is very similar to Plan A, but it will also cover the Medicare Part A deductible. This plan gives you a bigger safety net if you have to spend time in the hospital.

Medicare Plan C

Plan C offers all the benefits of Plans A and B. It will also cover your Medicare Part B deductible for medical and outpatient expenses, your Medicare Part A deductible for hospitalization, your skilled nursing facility care coinsurance, and emergency medical care (up to plan limits) when you travel outside of the country.

Medicare Plan D

Plan D is a good mid-point policy. It’s very similar to Plan C, but it tends to have a lower premium because it does not cover the Medicare Part B deductible.

Medicare Plan F

Plan F is the most comprehensive Medicare Supplement policy available, which is reflected by its higher monthly premium. With this plan, you may have no out-of-pocket costs for care at a doctor’s office or hospital.

Medicare Plan G

Plan G is also quite comprehensive and nearly identical to Plan F. This policy will not cover the Medicare Part B deductible, however.

Medicare Plan K

Plan K will provide a percentage of many of the out-of-pocket medical costs you encounter. Once you reach a spending “cap,” the plan will then cover 100% of any remaining Medicare-approved expenses.

Medicare Plan L

Plan L is similar to Plan K, but it offers a higher percentage of coverage, a lower annual out-of-pocket amount, and a lower out-of-pocket limit in exchange for a slightly higher monthly premium.

Medicare Plan M

Plan M provides the same crucial benefits as other supplement plans, but you will pay half of your Part A deductible and all of your Part B deductible. In exchange for this cost-sharing, you will benefit from reduced premiums.

Medicare Plan N

Plan N will cover all of your Medicare Part B coinsurance costs, except for a $50 copay for ER visits and a $20 copay for office visits.


Which Medicare Plan Will You Choose?

Are you not sure which Medicare benefits are the right choice for your lifestyle? We understand. That’s why the My Medigap Plans team is always ready to take your call and help you choose the perfect Medicare Supplement plan.

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