Medicare Supplement Comparisons – Plans, Benefits, Providers, Perks, & Premiums

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated April 21st, 2024

Medicare Supplement Comparisons – Plans, Benefits, Providers, Perks, & PremiumsOriginal Medicare Parts A & B cover seniors for the expenses involved with hospitalization and medical care services. However, Part A & B only covers 80% of these costs, leaving you with the remaining 20% to pay out-of-pocket. Medicare supplement plans (Medigap) cover this outstanding expense, leaving you with nothing or next to nothing to pay.

There are ten Medigap plans, each with varying levels of coverage. Some are comprehensive, while others offer limited benefits. What’s the difference between the Medigap plans, the coverage they offer, the premiums you pay, and the providers offering the plans? Let’s unpack everything you need to know about Medigap policies.

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Medicare Supplement Comparisons – Comparing Plan Benefits

Let’s start by comparing the benefits you get with each plan. Here’s a brief overview of the benefits offered in each of the plans and how they compare with each other.

An Introduction to Medicare Supplement Insurance - MedigapAll Medigap plans offer the following benefits.

  • Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
  • Part A hospice care coinsurance or copayment.
  • Part B coinsurance or copayment.
  • Blood transfusion costs for the first three pints of blood.

Plans F*, G, and N offer additional Medicare Parts A & B benefits.

  • Part A deductible.
  • Part B excess charges (Plan N doesn’t cover these charges).
  • Skilled nursing facility care coinsurance.
  • 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
  • Unlimited coverage for all out-of-pocket costs.

*Plan F is only available for seniors qualifying for Medicare before January 1, 2020. If you’re eligible after this date, you’ll need to go with Plan G instead. Plan G has the same benefits as Plan F but doesn’t cover the $226 Part B deductible.


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Medicare Supplement Comparisons – Comparing Standard & High-Deductible Plans

Plans F & G are also available in “High-Deductible” variants. The HD plans reduce your monthly premiums, but you retain the same benefits as the standard plans. The difference is that your Part A deductible increases from $1,600 to $2,700.

High-Deductible plans are ideal for seniors that want the highest level of coverage in an emergency but are otherwise healthy and don’t visit the doctor or emergency room often. You save on your monthly premiums and still have the best level of comprehensive coverage if you experience a healthcare emergency. Plans F & G are the only policies with HD options, and they aren’t available from all providers or in all states.

Medicare Supplement Comparisons – How Do I Choose the Right Plan?

How Does Medicare Supplement Insurance WorkChoosing the right Medigap plan to suit your healthcare requirements can be confusing. Each plan has standardized benefits, but that doesn’t mean anything if you don’t know what the coverage offers or whether you need it.

You could end up over or under-insured and pay more in monthly premiums, or end up with coinsurance responsibilities or copayments you can’t afford. So, let’s look at the best plans for your unique healthcare needs.

We’ll start with Plans A, B, D, K, L, & M. These plans are the most basic offerings. For instance, Plans A & B offer basic benefits for Medicare Part A expenses. The difference between Plan A & B is that Plan B pays the Part A deductible.

Plan D is affordable but offers limited coverage for Part A & B expenses. Plans K & L have low premiums and a cost-sharing model. With Plan K, you get 50% coverage for Part B benefits, and Plan L gives you 75% coverage for Part B benefits. Plan M offers coverage for Part A & B benefits, but you only get 50% coverage of the Part A deductible.

Typically, the above-mentioned plans are the least popular options. They’re good choices for seniors on a budget or who have low incomes during their retirement age.

Most popular options for Medigap plansThe most popular options for Medigap plans are Plans G, F, & N. Plan F is the only plan offering comprehensive coverage, including the Part B deductible. With Plan G, you get all the same benefits as Plan F but no coverage for the Part B deductible.

However, Plan G premiums are cheaper than Plan Fs. As a result, your annual savings on premiums versus Plan F are usually more than enough to account for the Part B deductible.

Plan N is a good choice for healthy seniors who rarely visit the emergency room or doctor. It features copayments of $50 at the emergency room when not admitted into the hospital and a $20 copayment at the doctor.

There’s no coverage for Part B excess charges with Plan N. So, you’ll need to use medical providers charging Medicare-approved rates (Medicare Assignment) to avoid paying the additional fees charged by practitioners over these rates.

Medicare Supplement Comparisons – Plan Providers & Perks

Medicare Supplement Comparisons – How Do I Choose the Right Plan - gymThe Medigap industry is competitive. Insurers offer additional perks and benefits over the standardized Part A & B benefits to capture your business. For instance, some providers offer discounted rates on hearing, dental, and vision services if you use providers in their network.

They’ll also offer discounts on OTC medications and supplements, preventative care treatments, and gym memberships. Some providers have a bare-bones offering with limited perks – such as Aetna. Others have a huge range of additional benefits – like UnitedHealthcare and Humana.

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Medicare Supplement Comparisons – Plan Premiums

The more coverage you have, the higher the premiums for your Medigap plan. So, Plan F is the most expensive option, followed by Plan G. Plan N is good value but costs more than Plans A, B, D, K, L, & M. Different insurers charge different rates on Medigap plans.

So, one insurer might be the most affordable option for Plan G in your state but the most expensive option for Plan N. Working with a Medigap agent helps you get the best rate in your state from leading healthcare providers offering Medigap plans.

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Frequently Asked Questions

Why should I compare Medicare Supplement plans?


Comparing Medicare Supplement plans allows you to evaluate the available options, understand the differences in coverage, benefits, providers, perks, and premiums. This helps you choose a plan that best suits your healthcare needs and budget.


What are the key factors to consider when comparing Medicare Supplement plans?

When comparing Medicare Supplement plans, consider factors such as the level of coverage, benefits, network of healthcare providers, additional perks or discounts, and the monthly premiums associated with each plan.


What is the difference between Medicare Plan G and Plan N?

Medicare Plan G and Plan N offer similar coverage, but they differ in cost-sharing. Plan G provides more comprehensive coverage, including coverage for Medicare Part A and Part B deductibles, while Plan N requires cost-sharing for certain services like copayments and excess charges.


What are the benefits of comparing Medicare Supplement plans?

Comparing Medicare Supplement plans allows you to find a plan that fits your specific healthcare needs and budget. It helps you identify the most suitable coverage, access preferred providers, and potentially save on out-of-pocket expenses.


How can I compare Medicare Supplement plans effectively?

To compare Medicare Supplement plans effectively, gather information about the available plans, their coverage details, benefits, networks, and premiums. Utilize online tools, consult with insurance agents, and review plan summaries to make informed comparisons.


What resources can I use to compare Medicare Supplement plans?

There are various resources available to compare Medicare Supplement plans, including official Medicare websites, private insurance company websites, independent insurance brokers, and online comparison tools. These resources can provide plan details, pricing information, and enrollment options.


Can I switch Medicare Supplement plans if I am not satisfied with my current coverage?

Yes, you can switch Medicare Supplement plans during certain enrollment periods, such as the Medigap Open Enrollment Period or Special Enrollment Periods. However, it’s important to consider any pre-existing conditions or underwriting requirements when making a switch.


How do the premiums for Medicare Supplement plans vary?

The premiums for Medicare Supplement plans can vary based on factors such as your age, location, gender, and the specific plan you choose. It’s essential to compare premiums along with the coverage and benefits to determine the overall value of each plan.


What are some additional perks that may be offered by Medicare Supplement plans?

Some Medicare Supplement plans may offer additional perks such as access to wellness programs, fitness memberships, telehealth services, or discounts on healthcare products or services. These perks can vary depending on the insurance provider and the specific plan.


Where can I find more information about Medicare Supplement comparisons?

To find more information about Medicare Supplement plan comparisons, you can visit official Medicare websites, consult with licensed insurance agents specializing in Medicare, utilize online comparison tools, or contact insurance companies directly for plan details.


Get Professional Advice on Medicare Supplement Comparisons

Navigating the range of Medigap plans can be confusing for people new to Medicare and Medicare supplement policies. Our team of fully licensed agents is available at 1-888-891-0229 for a free consultation and quote. We’ll help you compare Medigap plans to find the right one for you. If you want us to call you back, complete the contact form on this site, and we’ll get in touch with you.

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