brandlogo
The Clemente Agency Specializing In Insurance Plans To Supplement Medicare
BlogContact UsGet A QuoteResources
Questions? Call us now. (480) 209-2250, TTY 711
Home
HomeAbout Sharon ClementeContact UsGet a Quote
About Medicare
Are You Eligible for Medicare?Medicare: What you need to knowDo I Really HAVE to Enroll in Medicare:  Late Enrollment Penalties Explained2023 Medicare Costs
Medicare Advantage
Medicare Advantage PlansDifferent Types of Medicare Advantage Plans
Medicare Supplement (Medigap)
What is Medicare Supplement (Medigap) Insurance?Compare Medicare Supplement plans side by side
Prescription Drug Plans
Part D Prescription Drug Plans
Other Offerings
Vision Insurance: Is It Right For YouChoosing Dental CoverageCancer Indemnity PolicyHospital Indemnity PolicyTravel InsuranceCould I Need a Home Care Service Plan?

Compare Medicare Supplement Plans Side by Side

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you. 

In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Did you know that each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medigap policies:

  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan A if they offer any Medigap policy
  • Must also offer Plan C or Plan F if they offer any plan

Keep in mind, that the Medicare Supplement policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible). 

Compare Medicare Supplement plans side-by-side

The chart below shows basic information about the different benefits Medigap policies cover.

Yes = the plan covers 100% of this benefit
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable

Medigap Benefits Medigap Plans
A B C D F* G* K** L** M N***
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or 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 or copayment 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 exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A

$6,940

$3,470 

N/A N/A

Note:  If you must pay the Part B Annual Deductible on your chosen plan, that is $226 for 2023.

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,700 before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, 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 N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.

 

Source: www.medicare.gov

By contacting the phone number on this website you will be directed to a independent licensed agent.

Medicare Supplement (Medigap)
  • What is Medicare Supplement (Medigap) Insurance?
  • Compare Medicare Supplement plans side by side

The Clemente Agency

Specializing In Insurance Plans To Supplement Medicare

Follow Us

About Us

Our firm is staffed by proven insurance professionals committed to providing our clients with highly personalized service.

Other Links

Privacy Policy
Legal Terms

Address

PO Box 2563
Mesa
Arizona
85214
(480) 209-2250

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

© Copyright 2023The Clemente AgencyAll rights reserved.
Insurance Websites powered byAgentMethods