2020 Medicare Supplement Plans

Medicare Supplement Plans

Medicare Supplement Benefits

A

B

C

D

F*

G

K

L

M

N

Medicare Part A coinsurance hospital costs up to an additional 365 days after Medicare benefits are exhausted

X

X

X

X

X

X

X

X

X

X

Medicare Part B copayment or coinsurance coverage

X

X

X

X

X

X

50%

75%

X

X***

First 3 pints of blood

X

X

X

X

X

X

50%

75%

X

X

Part A hospice care coinsurance or copayment

X

X

X

X

X

X

50%

75%

X

X

Skilled Nursing Facility (SNF) care coinsurance

 

 

X

X

X

X

50%

75%

X

X

Medicare Part A deductible

 

X

X

X

X

X

50%

75%

50%

X

Medicare Part B deductible

 

 

X

 

X

 

 

 

 

 

Medicare Part B 'excess charges'

 

 

 

 

X

X

 

 

 

 

Foreign travel emergency coverage (up to plan limits)

 

 

80%

80%

80%

80%

 

 

80%

80%

Out-of-pocket limit**

 

 

 

 

 

 

$5,560

$2,780

 

 

* = Plan F also offers a high-deductible plan. If you choose this option, this means you must pay Medicare-covered costs up to the deductible amount of $2,300 before the Medigap plan begins covering Medicare-covered costs.

** = After the out-of-pocket limit and your Medicare Part B deductible, the Medigap plan pays 100% of Medicare-covered services for the remainder of the calendar year.

*** = Plan N pays 100% of the Medicare Part B coinsurance costs except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don't result in the beneficiary being admitted as an inpatient.

Starting January 1, 2020, Medigap plans sold to new people with Medicare won't be allowed to cover the Part B deductible. Because of this, Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. If you already have either of these 2 plans (or the high deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you'll be ale to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.  

Medigap policies are standardized differently in Massachusetts, Minnesota and Wisconsin. Click on the name of the state for specific information.

Source: https://www.medicare.gov/supplement-other-insurance/compare-medigap/compare-medigap.html


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Choosing the Right Medicare Supplement Plan / Janet Tiberian, MA, MPH, CHES / October 13, 2019

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