The Medicare Supplement Plans Comparison Chart is updated annually by Medicare.gov. Our Medigap Benefits Chart uses data from Medicare.gov and is up-to-date for 2021.
Federal and State laws make it easy to compare Medicare Supplement plans. Medicare law says companies must identify Medigap Plans by letter. If you were eligible for Medicare before 2020, you could have bought any of these ten Medicare Plans: A, B, C, D, F, G, K, L, M, and N.
However, people newly eligible for Medicare starting January 1, 2020 could only buy one of these eight Medicare Plans: A, B, D, G, K, L, M, and N. In other words, people who enroll in a Medicare Supplement plan for the first time in 2021 will not be allowed to get Plans C or F. Moreover, the most comprehensive Medgiap Plans available for you are Plan G and Plan N.
You can use the Medigap Benefits chart for a side-by-side comparison of Medicare Supplement Plans A – N. Plans with 100% provide full benefit coverage. However, some plans only have partial benefit coverage, such as 80%, 75%, and 50%.
Plans with X do not cover that particular benefit. If you were newly eligible for Medicare starting on or after January 1, 2020, then Plan C and Plan F are not available to you. However, beneficiaries who had Plans C or F before 2020 can keep them.
Medigap Plan F has the highest monthly premiums. Some supplement companies may also offer high-deductible plans. According to CMS.gov, the high-deductible options for Plans F and G is $2,370 in 2021. A beneficiary must pay the deductible before receiving plan benefits.
Medicare Plan G has lower monthly premiums than Plan F. Furthermore, Plan G has the same comprehensive coverage as Plan F, with one difference. In 2021, you pay a $203 Part B deductible once a year. If you want to spend less per year than Plan F, consider getting a quote for Plan G.
Medigap Plan K pays 100% of Part A coinsurance, but only 50% of other benefits. In 2021, the maximum out-of-pocket limit for Plan K has increased by $660. The new Plan K out-of-pocket limit is $6,220.
Medigap Plan L pays 100% of Part A coinsurance, but only 75% of other benefits. Maximum out-of-pocket limits have increased from $2,780 in 2020 to $3,110 in 2021.
Medicare Plan N is the same as Plan G, except for the following:
In 2021, the maximum out-of-pocket limit for Plan K has increased by $660. The new Plan K out-of-pocket limit is $6,220. Likewise, the maximum out-of-pocket limit for Plan L has increased from $2,780 in 2020 to $3,110 in 2021.
Medigap Plans with the most comprehensive coverage, including Plans F, G, and N, have foreign travel emergency benefits. You can also get these benefits with Medicare Supplement Plans C, D, and M. However, Plans A, B, K, and L, do not provide foreign travel emergency benefits.
Medicare may provide foreign travel coverage under certain situations when traveling outside the United States. If you do not meet these particular circumstances, then Medicare will not cover foreign travel.
Get FREE Medicare help today! Please enter your information and a licensed agent will contact you.
Senior Healthcare Direct
34302 US Highway 19 North
Palm Harbor, FL 34684
Phone: 1-833-4Med-Bob
(1-833-463-3262)
Fax: 1-855-294-0096
By clicking “Get Me Started” above, I expressly consent to receive emails and phone calls via automatic telephone dialing system or by artificial/pre-recorded message, or by text message, from licensed sales agents of Senior Healthcare Direct, or Companies and their partner companies at the telephone number above, including my wireless number if provided, message and data rates may apply. I understand that my consent to receive communications in this way is not required as a condition of purchasing any goods or services. If you are Medicare-eligible, a licensed sales agent will contact you about Medicare supplement plans by phone or email. Submitting this form does NOT affect your current Medicare Part A and Part B enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, Medicare supplement plan or other Medicare plan. I acknowledge that I have read and understand the Privacy Policy of this site and agree to be bound by it.
Copyright © 2021 Senior Healthcare Direct, All Rights Reserved.
Not affiliated with the U. S. government or federal Medicare program.