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Compare Plans A B C D F G K L M N
Medicare Part A Co-insurance hospital costs up to an additional 365 days after Medicare benefits are used up image description image description image description image description image description image description image description image description image description image description
Medicare Part B Co-insurance or Co-payment image description image description image description image description image description image description 50% 75% image description **
Blood (first 3 pints) image description image description image description image description image description image description 50% 75% image description image description
Part A Hospice Care Co-insurance or Co-payment image description image description image description image description image description image description 50% 75% image description
Skilled Nursing Facility Care Co-insurance image description image description image description image description image description image description 50% 75% image description image description
Medicare Part A Deductible image description image description image description image description image description image description 50% 75% 50% image description
Medicare Part B Deductible image description image description image description image description image description image description image description image description image description  **
Medicare Part B Excess Charges image description image description image description image description image description image description image description image description image description image description
Foreign Travel Emergency (Up to Plan Limits) image description image description image description image description image description image description image description image description image description image description
Medicare Preventive Care Part B Co-insurance image description image description image description image description image description image description image description image description image description image description
How to read the chart: • If a checkmark appears in a column of this chart, the Medigap Plan covers 100% of the benefit. • If a column lists a percentage, the policy covers that percentage of the benefit. • If a column is blank, the policy does not cover that benefit. Note: The Medicare Supplement policy covers coinsurance only after you have paid the Medicare deductible (unless the Medicare Supplement policy also covers the deductible). *After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year. Plan K Out-of-Pocket Limit is $4,620.00. Plan L Out-of-Pocket Limit is $2,310.00. Out-of-pocket limit is the maximum amount you would pay for Co-insurance and Co-payments in a calendar year. **Plan N pays 100% of the Part B Co-insurance except up to $20 Co-payment for office visits and up to $50 for emergency department visits. For more details, please see the official government guide to Medicare: Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. I realize that this chart os confusing.  For more information, just call (215) 658-1555.  Allen Heffler will discuss with you in detail which plan might be right for you.

Medicare Supplement Plan A

Medicare Supplement Plan A is the one plan that all Medicare Supplement insurers must offer.  Medicare Plan A is standardized by CMS/Medicare.  One company’s Plan A is identical to another company’s Plan A.  There is absolutely no difference in coverage or benefits between companies.   Price, service, length of time a Medicare Supplement carrier has been offering plans, and ratings, will vary by company.  It is important to research to find the best Medicare Supplement carrier for you. Medicare Supplement Plan A provides the most basic coverage.  While it does provide a bit less coverage than other plans, it also carries a lower premium.  Covered benefits include hospitalization, medical expenses, and blood. Plan A covers hospitalization, including coinsurance for Part A.   This Plan also pays  the coinsurance for Medicare Part B, which is generally 20% of medicare approved services. Plan A does not cover several of the benefits that more comprehensive plans cover. Some of the benefits that aren’t covered are the coinsurance for skilled nursing care, the deductibles for both Part A and B, and emergency care for travel outside the United States.  Plan A does not cover any excess charges under Part B.  This means if a doctor charges more than the Medicare approved amount, you may be responsible for paying for some of those charges yourself.  The doctor can charge you up to 15% of the amount not covered by Medicare.  While some plans cover this, Plan D does not. It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price.

Medicare Supplement Plan B

Medicare Plan B is similar to Plan A.  Medicare Plan B is standardized by CMS/Medicare.  One company’s Plan B is identical to another company’s Plan B.  There is absolutely no difference in coverage or benefits between companies.   Price, service, length of time a Medicare Supplement carrier has been offering plans, and ratings, will vary by company.  Research is required to find the best Medicare Supplement carrier for you. Both Plan A and Plan B are very similar.  With Medicare Plan A, you will be responsible for paying both your Medicare Part A and Part B deductibles. With Medicare  Plan B, you will be responsible for paying your Part B deductible only. Medicare Supplement Plan B does not cover several of the benefits that more comprehensive plans cover. Some of the benefits that aren’t covered are the Medicare Part B deductible, Skilled Nursing Coinsurance, and Foreign Travel Emergency Care. Plan B does not cover any Part B.  Medicare Plan B does not cover any excess charges under Part B.  This means if a doctor charges more than the Medicare approved amount, you may be responsible for paying for some of those charges yourself.  The doctor can charge you up to 15% of the amount not covered by Medicare.  While some plans cover this, Plan B does not. It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price

Medicare Supplement Plan C

Medicare Supplement Plan C is one of the more popular Medicare Plan.  It offers comprehensive coverage, above the basic benefits and can provide you with the security of knowing that your primary medical needs will be met.. It does not cover Medicare Part B Excess Charges as does the more comprehensive Plans F and G. Medicare Supplement Plan C includes coverage for the basic benefits, which include hospitalization, medical expenses, and blood coverage for the initial three pints of annually. Hospitalization includes coverage for your Part A coinsurance and the next year (365 days) after your Medicare service runs out. Medical expenses includes pays coinsurance for Medicare Part B, generally 20 percent of Medicare accepted costs, or copayments for hospital outpatient services. Plan C coverage does not include excess charges from Medicare Part B.   This means if a doctor charges more than the Medicare approved amount, you may be responsible for paying for some of those charges yourself.  The doctor can charge you up to 15% of the amount not covered by Medicare.  While some plans cover this, Plan C does not. It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price.

Medicare Supplement Plan D

Medicare Supplement Plan D is designed to cover most of the gaps that are not covered by the Original Medicare.  Plan D is standardized by CMS/Medicare.  One company’s Plan D is identical to another company’s Plan D.  There is absolutely no difference in coverage or benefits between companies.   Price, service, length of time a Medicare Supplement carrier has been offering plans, and ratings, will vary by company.  It is important to research to find the best Medicare Supplement carrier for you. Medicare Supplement Plan D does not include coverage for the Part B deductible.  Medicare Pan D coverage does not include excess charges from Medicare Part B.   This means if a doctor charges more than the Medicare approved amount, you may be responsible for paying for some of those charges yourself. . The doctor can charge you up to 15% of the amount not covered by Medicare.  While some plans cover this, Plan D does not. It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price.

Medicare Supplement Plan F

Medicare Plan F is the most popular Medicare Supplement Plan.  It is also provides the most comprehensive coverage. Plan F fills in all the gaps that are left by Medicare coverage on approved services. Medicare Supplement Plan F covers Part A coinsurance, Part B coinsurance or copayment, Part A deductible, Part B deductible, and 100% of the Part B excess charges. It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price.

Medicare Supplement Plan G

Another popular Medicare Supplement Plan is Plan G.  With Plan G, you are getting very strong coverage.  One company’s Plan G is identical to another company’s Plan G.  There is absolutely no difference in coverage or benefits between companies.   Price, service, length of time a Medicare Supplement carrier has been offering plans, and ratings, will vary by company.  It is important to research to find the best Medicare Supplement carrier for you. Medicare Plan G is very similar to Plan F.  With Plan G, you will need to pay for your Part B deductible.  Other than that, the two plans are provide identical, strong coverage. If you do not mind assuming risk for the Part B deductible then this could be the right plan for you. Plan G includes coverage for Medicare Part A and Medicare Part B copayments and coinsurance, plus the Medicare Part A deductible, skilled nursing facility services, foreign travel emergencies, and more. There is also additional blood coverage, 365 Additional Days Hospitalization Coverage after Medicare benefits end, and Hospice Care coinsurance or copayment.   Plan G also includes coverage for home-based recovery care. It can be very difficult deciding which Plan is the right plan for you.  Allen Heffler is a Medicare Specialist with over 25 years experience assisting thousands of seniors.  Allen will walk you through each plan, so that you will have a thorough understanding of each plan, and afterwards you will have a clear direction as to how to proceed.  Allen will you assist you in determining the best plan for your needs and budget and will thoroughly shop around to find the best price.

Medicare Supplement Plan K

Plan K utilizes different cost-sharing for items and services than most of the supplement plans. Instead of paying all of your costs, the plan will pay a percentage. You will have to pay some out-of-pocket costs for some covered services, also known as a deductible, until you meet the yearly cap for out of pocket spending. Once you meet the limit, the Medigap policy plan pays 100 percent of Medicare-approved costs, such as the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. Charges from your doctor that exceed Medicare-approved amounts, called ‘excess charges’ aren’t covered and don’t count toward the out of pocket limit. You will be responsible for paying these excess charges. The maximum amount that you are responsible for paying yourself can also increase each year due to inflation. Plan K is a good option if you prefer a lower premium and also have low medical expenses but still want a fair amount of coverage for a wide variety of services. Medicare Supplement Plan K requires you to pay an out-of-pocket deductible. Benefits will begin after the $ 4,620 limit has been reached. Specifically included with Plan K benefits, Part A coinsurance and all costs after the hospital benefits are exhausted are covered 100%. Coinsurance for Part B preventative care is also covered for 50% of the Medicare-approved amount.  The copay or coinsurance for Part B health care  is covered 50% for services other than preventative. Also covered at 50% are hospice care, the Part A deductible, and skilled nursing facility services. Blood coverage is also covered at 50% after the first 3 pints. There are services and benefits not covered under Plan K. The deductible for your Part B coverage is not covered. Any excess charges that Medicare does not subsidize, as explained above, are also your responsibility. Emergency travel abroad coverage is not included with this plan, so be aware of this when traveling. Benefits for home health care recovery are also not included in Plan K. Not all providers offer all of the Medicare Supplement Plans. It can also be difficult to determine which plan is right for you. Our trained specialists can help you find the plan that best fits your needs and budget.  Most insurance carriers offer a variety of plans, so our specialists can help you shop around for the best price.

Medicare Supplement Plan L

Medicare Supplement Plan L offers those with low medical expenses the ability to have an out-of-pocket deductible, resulting in a low monthly payment. The annual out-of-pocket limit is set at $2,310. After you reach this limit, the plan takes over in paying 100 percent of your Medicare Part A and preventative coinsurance. Plan L also requires you to pay a percentage for other covered services, instead of covering the entire cost for you. This helps to keep your plan premiums low if you have low medical expenses. Plan L utilizes different divisions of cost for items and services than most of the supplement plans. You will have to pay some expenses yourself for some covered services (a deductible) until you meet the yearly cap. After you hit the yearly limit, your Plan L policy pays for the Medicare copayments, coinsurance, and deductibles until the end of the year. Excess charges from your physician, which surpass the amount Medicare will pay for a certain service, aren’t covered and don’t qualify for the out-of-pocket spending cap. You are responsible for financing excess charges. The amount that you are responsible for may increase or vary from year to year. Specifically included with Plan L benefits, coinsurance for Part A and expenses after your hospital benefits end are covered 100%. Medicare Preventive Care coinsurance for Part B is also covered for 100% of the Medicare-approved amount.  The copay or coinsurance for Medicare Part B  is covered 75% for services other than preventative. Also covered at 75% are the skilled nursing facility service and hospice care coinsurance or copay and the Medicare Part A Deductible. Blood coverage is also covered at 75% after the first 3 pints. There are services and benefits not covered under Plan L. The Part B deductible is not covered. Any excess charges, as explained above, are also your responsibility. Emergency coverage for travel abroad is not included with this plan, so be aware of this when traveling. Recovery at home benefits are also not included in Plan L. Not all providers offer all Medigap Supplement Plans. It can also be difficult to determine which plan is right for you. Our trained specialists can help you find the plan that best fits your needs and budget.  Most insurance carriers offer a variety of plans, so our specialists can help you shop around for the best price.

Medicare Supplement Plan M

The new Medicare Supplement Plan M begins with an effective date of June 1, 2010. The changes are designed to lower out-of-pocket costs for consumers and to provide them with additional benefits not found in their current plans. Medicare Supplement Plan M offers increased cost-sharing and includes many similar benefits to Plan D, but will only cover 50% of the Part A deducible and none of the Part B deductible. The cost of Plan M is expected to be priced at approximately 92% of the current plan D costs, or 85% of Plan F. Plan F is currently the most common plan. Medigap Plan M is very similar to current Plan D. It will offer the core benefits of covering the 20% that Medicare doesn’t cover at the doctor, hospital and with skilled nursing and hospice coverage. However, Plan M will not cover the Medicare Part B deductible (currently $135/year) and it will only cover half of the Part A deductible (currently $1100/year). This means a deductible of $550 for Part A, and overall would result in a slightly lowered premium cost. Also, once the part B deductible is met, you will not be liable for co-payments for physician appointments. Plan M includes the principle Core Benefits, which include inclusive coverage for Part A hospital inpatient coinsurance, coverage for expenses after your Medicare benefits run out, coinsurance for Part B, blood services, hospice charges for drugs, and foreign travel emergency expenses. General hospice care is included in Plan B and all other Medicare Supplement Plans in 2010. Plan M could be beneficial if you have not been to the hospital for a while or do not anticipate going to the hospital soon because Part A covers inpatient related costs. This plan could be beneficial to you if you do have frequent doctor visits. You will want to make sure that the premiums on this plan can cut your costs by at the minimum $550 annually, which is what you will have to pay for half of the 2010 Medicare Part A deductible. If you are not saving $550 or more on your premiums, you could break even and be paying the same amount. You could also lose money if you do undergo inpatient hospital care. Not all providers offer all of the Medicare Supplement Plans. This could be especially true for the new Plan M. It can also be difficult to determine which plan is right for you. Our trained specialists can help you find the plan that best fits your needs and budget. Most insurance carriers offer a variety of plans, so our specialists can help you shop around for the best price.

Medicare Supplement Plan N

Starting on June 1, 2010, Medicare Supplement Plan N will become available to consumers. The changes are designed to lower out-of-pocket costs for consumers and to provide them with additional benefits not found in their current plans. Plan N is similar to both Plan D and Plan F. However, instead of not covering part or all of the Part A and B deductibles, this plan utilizes a cost sharing system to keep the premiums low. In exchange for premiums that are estimated to be about 30% lower, a new co-pay structure was created. Co-payments for doctor appointments will be $20 and co-payment for emergency room trips will be $50. If you are then admitted to the hospital, this emergency room co-pay is waived. Medicare Supplement Plan N has 100 percent coverage for the Part A deductible and also no coverage for the Part B deducible. Supplement Plan N does cover the basic Core Benefits, which include complete coverage for Part A inpatient hospital insurance charges, the total expense for inpatient hospital care after the Medicare Benefit runs out, blood services (initial 3 pints), coinsurance expenses for Part B, Part A hospice palliative medication coinsurance, and the emergency benefits for travelling abroad. All of the 2010 Supplement Plans will include hospice care. Overall the premium cost of these plans is expected to be around 70% of the cost of Plan F, or about 77% of the cost of Plan D. Plan N may be a better plan for your budget than the Medicare Part C Advantage plans. Plan N may be a good option for you because it offers very low out-of-pocket responsibilities and no network restrictions. In many states Plan N will have no Medical Underwriting. You will not have to answer any of the medical questions or fill out pharmaceutical information to apply. In a few states there will be limited underwriting for this plan. Our representatives can give you more information on which states will be doing so. Not all providers offer all of the Medicare Supplement Plans. This could be especially true for the new Plan N. It can also be difficult to determine which plan is right for you. Our trained specialists can help you find the plan that best fits your needs and budget. Most insurance carriers offer a variety of plans, so our specialists can help you shop around for the best price.   Click tje link to read a recent article that Allen Heffler wrote concerning Medicare Supplement Plans – Medigap plans.