What is covered by Medicare Supplement Plans?

Medicare Supplement insurance plans, also known as Medigap plans, are private insurance plans that can help cover some of the out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles. Medicare Supplement insurance plans are standardized by the federal government, which means that all plans of the same type must offer the same basic benefits.

Medicare Supplement insurance plans are available in 10 different plan types, labeled A through N. Each plan type offers a different set of benefits, with some plans providing more comprehensive coverage than others. The benefits covered by each plan type are as follows:

Plan A: Basic benefits, including Part A hospital coinsurance and hospice care coinsurance or copayment
Plan B: Basic benefits plus Part A hospital deductible
Plan C: Basic benefits plus Part B coinsurance or copayment and first three pints of blood each year
Plan D: Basic benefits plus Part A hospice care coinsurance or copayment
Plan F: Basic benefits plus Part B coinsurance or copayment, Part B excess charges, first three pints of blood each year, Part A hospice care coinsurance or copayment, and skilled nursing facility care coinsurance
Plan G: Basic benefits plus Part B coinsurance or copayment and Part B excess charges
Plan K: Basic benefits plus 50% of Part B coinsurance or copayment, Part B deductible, and first three pints of blood each year
Plan L: Basic benefits plus 75% of Part B coinsurance or copayment, Part B deductible, and first three pints of blood each year
Plan M: Basic benefits plus 50% of Part A hospital deductible, Part B coinsurance or copayment, and first three pints of blood each year
Plan N: Basic benefits plus Part B coinsurance or copayment and Part B excess charges and first three pints of blood each year