Supplemental Insurance
Supplemental Insurance Information
What is Medicare Supplement Insurance?
Sometimes called "Medigap Insurance"
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There are 10 Standardized Medicare Supplement plans “A” through “N”.
The benefits of each plan are different, with the exception that all plans are required to cover the “Basic Benefits” which are identified below.
Medicare standardized the plans in 1990 to limit the consumer’s confusion when comparing coverage offered by different insurance companies. However, beginning June 1, 2010 the plan chart and the benefits were changed and improved to meet the changing health care environment.
Some benefits have been eliminated and several benefits have been added to enhance the Medicare supplement coverage.
With standardization, the consumer can easily compare the benefits and the cost between the different insurance companies offering the plans.
The words "Medicare supplement" and MediGap plans are interchangeable and mean exactly the same thing. The descriptions of benefits of each of these plans are in the table below.
How to read the chart: If a check mark appears in the column, this means the MediGap policy covers the benefit up to 100% of the Medicare-approved amount. If a dash is in the column the benefit is not covered by the plan. If a column lists a percentage, this means the MediGap policy covers the benefit at a percentage rate of the Medicare-approved amount. If no percentage appears or if the column has a dash, this means the MediGap policy doesn't cover the benefit. Note: The coverage of coinsurance only begins after you have paid the deductible on plans K & L.
Basic Benefits
•Hospitalization Coinsurance for days 61-90 is ($419 per day) and days 91 and after while using lifetime reserve days is ($838 per day)
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services
Medicare Part A Hospital Deductible
• The 2025 deductible is $1676
Skilled Nursing Facility (SNF) Coinsurance
• $209.50 a day for days 21-100 in a Skilled Nursing Facility in 2025
Medicare Part B Yearly Deductible
• The 2025 deductible is $257
Medicare Part B Excess Charges
• Difference between doctor's charge and Medicare's approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge
Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000
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