Medigap Plans Comparison


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Medigap Plans Comparison

[/vc_column_text][vc_column_text el_class=”bigP”]Medicare Coverage Helpline Reviews Plans comparison report

Compare Medicare supplement plans and rates side by side with our free medicare coverage helpline comparison report, which includes the pricing as well as the company financial ratings.


The Centers for Medicare and Medicaid have desginated all Medigap plans with a letter A – N, each plan covers a different set of the gaps in the form of deductibles, coinsurance and copayments that Medicare doesn’t cover. You can compare Medigap plans side-by-side using our Medicare supplement comparison chart below. This makes comparing Medigap plans alot  easier for you.


Some Medicare supplement plans will have a higher premiums and provide more coverage than others do. Other Medigap plans will give lower premiums in exchange for you agreeing accept more of the out-of-pocket costs.


See the Medigap comparison chart below for people with Original Medicare.


comparisons of plans


Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 in 2018 before your Medigap plan pays anything.

  1. Plan N pays 100% of the Part B coinsurance charges, except for a copayment of up to $20 which is your responsibility to pay for some office visits and up to a $50 copayment charge for emergency room visits that don’t result in an inpatient admission.
  2. The centres for medicare and Medicaid services establish’s plan limits each year for Foreign Travel Emergency.
  3. For Medigap Plans K and L only, after you’ve met the annual out-of-pocket limit and your annual Part B deductible, this Medigap plan pays 100% of all covered services for the rest of the calendar year.

If you live in one of these 3 states, Medigap policies are standardized in a different way:

You live in Massachusetts

You live in Minnesota

You live in Wisconsin


Which is the Best Medigap Plan?

Medicare Supplement Plan F and Plan G are the two often purchased Medigap plans. As you see in the above Medigap comparison chart, Plan F covers all the gaps including the deductibles, coinsurance and copayments that Original Medicare doesn’t cover. Plan G is only just a little different, so it’s also a top seller among consumers looking to supplement the government’s healthcare they receive.


Now as you compare Medicare supplement Plans F and G side by side, you’ll immediately notice that Medicare Plan G really only has one single difference. The difference is how the Medicare Part B deductible is handled. If you compare the cost of your annual premiums for Plan G and find that the money you save is more than what you’ll pay out for the Medicare Part B deductible, then by all means enrolling in Plan G makes alot of sense.


We’ve also noticed a growing interest in another medicare supplement called Plan N as well. Medicare Supplement Plan N offers somewhat lower premiums in exchange for more cost-sharing on your part. Unlike Medigap Plan F or G , Plan N does not cover any of excess charges allowed by Medicare. You’ll want to get caught up to speed on what this means before you decide to enroll in a Medicare Supplement Plan N as this affects the amount of out-of-pocket cost you’ll have.


How to Compare Medicare Supplement Plans and Benefits

The centre for medicare and medicaid services cms publishes a book each year called Medicare & You. In it, you’ll find a Medicare Supplements Plans comparison chart. The Medigap comparison chart shows you all the Medicare supplement plans side by side and allows you to see exactly which benefits each plan covers.


Medigap Plans Comparison Chart

The Medigap Plans comparison chart above compares all of the plans sides by side. This allows you to see which ones have the most benefits, and which ones cover the least. As mentioned above, Medicare Supplement Plan F and Plan G provide more coverage than any other plans, leaving you with no or little out-of-pocket costs of your own. Please see the list of Medicare plans available along with a brief overview of each plan:


Medicare Supplement Plan A

Medigap Plan A provides the most basic coverage of all the supplemental plans. Even still, it will cover the 20% that Medicare does not cover for outpatient medical services. That’s a very important benefit to have in your coverage. All Medicare insurance carriers are required to offer Plan A to beneficiaries. However, some states do not require insurance carriers to offer it to people that receive Medicare under age 65 due to disability.


Medicare Supplement Plan B

Medigap Plan B covers all that Plan A covers but it also adds coverage for the Medicare Part A hospital deductible as well. Medicare Plan B is a medigap or supplemental insurance plan that pays after Original Medicare pays it share.  Don’t get it confused with Medicare Part B, which is part of your Original Medicare benefits that covers outpatient services.


Medicare Supplement Plan C

Medigap Plan C is one of the more comprehensive supplemental plans on the market today. It provides great coverage – in fact it covers everything except the Medicare excess charges. This means it’ll pay both Medicare Part A Deductible and Medicare Part B deductible and the 20% coinsurance that you would normally owe toward all Part B outpatient expenses. For good reason, both Medigap plans C & F are very popular among consumers looking for a way to supplement the government’s health insurance .


Medicare Supplement Plan D

A Medigap Plan D covers most things but does not cover the Medicare Part B deductible nor does it give any coverage excess charges allowed by Medicare. Alot of folks don’t want to be subject to possible any high of pocket charges so this makes it one of the least purchased plans. Please don’t confuse Plan D it with Part D, which is your Medicare prescription drug coverage – they are two completely different insurance coverages.


Medicare Supplement Plan F

Medigap Plan F is hands down the best selling plans available to supplement Original Medicare. Why so? Because it simply covers ALL of the deductibles, coinsurance and copayments that you would normally have pay if you just had the governments Original medicare part a and part b. It full protects you from having to come up with absolutely nothing out of your own pocket for andy medicare approved services. Most people like having the peace of mind that comes with knowing that you’re fully covered and won’t even have a copay for physician visits or hospital stays.


Medicare Supplement Plan G

Plan G is also very popular among medicare beneficaries and is the second most purchased plan available in the market today. The plan covers everything that Medicare Supplement Plan F does except you’ll have to pay for the Medicare Part B deductible out of your own pocket. Premiums for Medicare Plan G are often priced very competitively, which can make  it an even better value than a Plan F.


Medicare Supplement Plans K, L, and M

These three (3) plans offer partial coverage of certain benefits. For example, Medicare Plan K covers fifty percent (50%) of most medical charges while Plan K covers about seventy-five (75%) of most items.  All three (3) of these plans are rarely purchased by Medicare beneficiaries, so you’ll find that not all insurance carriers offer them.


Medicare Supplement Plan N

Medigap Plan N was established by the Centers for Medicare and Medicaid services as a standardized plan in 2010. It has become a very popular plan among consumers looking to supplement their original medicare coverage because it provides lower monthly premiums in exchange for higher cost-sharing for certain things like doctor visits and emergency room visits. You should also know that this plan doesn’t cover any of the excess charges that Medicare allows to be charged. However the lower premiums make this an attractive option to some beneficiaries, but we often later hear policyholders complaining after they’ve purchased this plan because of the out-of-pocket costs their required to make when receiving certain medical services.


Gaining Access to Doctors on Medicare Supplement Plans

Probably the number one reason why folks love medicare supplement or medigap insurance plans is their feature that allows beneficiaries to see any doctor that participates in Medicare throughout the U.S. You’ll have access to some nine hundred thousand providers across the United States.


Visiting your physician of choice is as easy as 1 – 2 -3 with any Medigap plan because it doesn’t matter which insurance company your Medigap plan is through. As long as the doctor is contracted with Medicare, he is required to accept your Medicare supplement plan also.


People often get confused about another type of plan called Part C or Medicare Advantage plans, which require you to use certain networks established by the Part C Medicare Advantage insurance carrier.  Howver, as long as you remain with Original Medicare, then you can see any doctor you want that participates in Medicare. The industry reports that upwards of 93% of all primary care physicians in the United States accept Medicare.


Compare Medigap Plans – Rates

Compare Medigap plans in your state easily with our free rate comparison report.


When you compare Medicare supplement insurance prices, keep in mind that plans are standardized. Each medicare supplement company is a private insurer and may set their own rates and pricing based on their company’s costs and financial goals of their stockholders. However, the benefits of a Plan F are established by the centre for medicare and medicaid services cms and thus are the same no matter which insurance carrier you buy it from. The same is true for any and all other Medigap insurance plans. This allows you to compare and shop prices knowing that you’re getting apples to apples benefits whichever plan you choose.


We always look at the best lowest priced carriers for our customers. Then we help you determine whether you’re eligible for a household savings-discount. We’ll look at the company’s history of rate as well.


Afterwards, we’ll examine and review their financial ratings. There are lots of great A and B+ rated insurance carriers in the marketplace , so there’s really no need to go with any carrier that has a lower rating.


When you contact our medicare coverage helpline, our medicare specialist  will provide you with a customized report that’ll allow you to compare Medicare supplement plans in your area. You’ll be able to see the current rates AND any rate increases by each carrier over the past few years. This helps you to decide which carrier will be the best fit for you over the long term all while providing you stable rates.


Just click at the bottom of this page to request your free comparison of Medicare supplement plans from our medicare coverage helpline. Our Medigap supplemental insurance cost comparison software will provide you with all the details you’ll need.


Do you already know which plan you want? Read our medicare coverage helpline reviews of the top Medigap insurance companies here.


Find the best rates with our Free Medigap Plans Comparison Report

Once we determine which Medigap plan is best for you, we can then shop for the best rates. Our agency makes thiomer Benefits makes this easy our free Medigap rate comparison report, which you can request using the button below. We help eductate people turning 65 that are new to Medicare.



Once you have the basic understanding, you’ll always know how to decide which plan is best suited to your financial abilities. Understanding what your Original Medicare benefits cover is the key. Afterwards, it becomes much easier to choose the right supplement to suit your needs from the Medigap plans chart. For free help or to find out what Medicare supplement plans cover, contact us at 1 (866) 936-3831 today!

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