Medigap Plans | Comparison

Medigap Plans | Comparison

November 8, 2019 40 By akhilesh

Medigap Plans: Are you a 65-year-old person who is retired or is very near to your retirement? If yes, you will be probably researching a lot about Medicare. While researching, you might find offers of either Original Medicare or Medicare Part A and Part B. But let us tell you a slight issue with these plans. Medicare doesn’t cover a few of the costs that your employer-provided insurance used to cover. Don’t worry! You can avail a Medigap plan which is also known as Medicare Supplement plan to acquire coverage more like what you used to.


Let’s know how a Medigap Plan exactly functions before comparing all the Medigap Plans in detail!

After enrolling in both Part A & Part B, you will have the choice to add up additional coverage, i.e., Medicare Supplement plan. Medicare Supplement plans or Medigap plans function as an addition to existing Medicare coverage.  

Also Read: Medicare 101: Which Part Is Best For You? 

Now, that you know how a Medigap Plan actually works, let’s compare the ten Medigap Plans available. If you do not understand the meaning of the mentioned benefits, you can refer to the full explanation just below the table:  




Part A coinsurance/hospital costs Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance/copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel coverage No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit No No No No No No $5,560 $2,780 No No

Also Read: Difference Between Medicare And Medicaid

Meaning of these Benefits:

  1. Part A coinsurance & hospital costs

Part A coinsurance & hospital benefit treats the potentially high costs. After you use up your Original Medicare benefits, this Medigap benefit kicks in up to a full year.

  1. Part B coinsurance/copayment

This benefit covers copayments doctors or coinsurance. Other providers normally charge you for Part B.

  1. Blood (first 3 pints)

This benefit will cover you for the first 3 pints that you receive in a year.

  1. Part A hospice care coinsurance

Part A hospice care copayment coverage takes care of all the copayments and hence hospice will be free.

  1. Skilled nursing facility care coinsurance (SNF)

Under the Skilled Nursing Facility, you can avail of supervision from skilled therapy staff or nursing.

All the above-mentioned facilities can be available in a hospital or nursing home. Treatments in SNFs comprises of occupational therapy, audiology, physical therapy, and many more.

Also Read: Medicare Advantage Plans 2020

  1. Part A deductible

A plan including this particular benefit will completely cover your Part A deductible.

  1. Part B deductible

After covered by this deductible, you can visit the doctor with no up-front fee.

  1. Part B excess charge

With this benefit, your excess charges get paid off.

  1. Foreign travel coverage

With foreign travel coverage, you can enjoy foreign travel.

  1. Out-of-pocket limit

The out-of-pocket limit is basically used with private insurances. The out-of-pocket limit is applicable only on Plans K and L. 

Compare each plan and select the most suitable one for you!!!