Medicare Supplemental Insurance Plan Matrix
This chart below shows the benefits included in each of the standard Medicare Supplemental Insurance plans. Every insurance company offering these plans must at a minimum make available Plans A, B and C or F. As of June 1, 2010, Plans E, H, I, and J are no longer available for sale.
Each of the Medigap plan types cover the following benefits:
Hospitalization: |
Part A co-insurance plus coverage for 365 additional days after Medicare benefits end. |
Medical Expenses: |
Part B co-insurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insured members to pay a portion of Part B co-insurance or co-payments. |
Blood: |
First 3 pints of blood each year. |
Hospice: |
Part A coinsurance. |
The different plan types are differentiated in the way that they cover:
- Basic benefits
- Skilled nursing facility care
- Part A deductible
- Part B deductible
- Foreign travel emergencies
Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
Basic, including 100% Part B co-insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Skilled Nursing Facility Co-Insurance |
|
| ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
Part A Deductible |
| ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ |
Part B Deductible |
|
| ✓ |
| ✓ |
|
|
|
|
|
Part B Excess (100%) |
|
|
|
| ✓ | ✓ |
|
|
|
|
Foreign Travel Emergency |
|
| ✓ | ✓ | ✓ | ✓ |
|
| ✓ | ✓ |
| Out-of-Pocket Annual Limits | $4,620 | $2,310 |
|
| |||||
* Plan F has a high deductible Plan F option. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,000 deductible.
FYI, source document for the Plan Matrix image I have in the document is:
http://www.healthplanone.com/HP1_Vendor_Docs/Medicare/Gerber/PA/2010/Gerber_PA_OOC_060110.pdf