Breakdown of Medigap Plans by Letter Designation
How to read the chart:
If a checkmark appears in a column of this chart, the Medigap policy covers 100% of the described benefit. If a column lists a percentage, the policy covers that percentage fo the described benefit. If a column is blank, the policy doesn't cover that benefit.
Note: The Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible).
You may buy the following Medigap Plans which become effective June 1, 2010.
Medigap 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 used up |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
Medicare Part B Coinsurance or Copayment |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
50% |
75% |
✓ |
✓*** |
Blood (First 3 Pints) |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
50% |
75% |
✓ |
✓ |
Part A Hospice Care Coinsurance or Copayment |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
50% |
75% |
✓ |
✓ |
Skilled Nursing Facility Care Coinsurance |
|
|
✓ |
✓ |
✓ |
✓ |
50% |
75% |
✓ |
✓ |
Medicare Part A Deductible |
|
✓ |
✓ |
✓ |
✓ |
✓ |
50% |
75% |
50% |
✓ |
Medicare Part B Deductible |
|
|
✓ |
|
✓ |
|
|
|
|
|
Medicare Part B Excess Charges |
|
|
|
|
✓ |
✓ |
|
|
|
|
Foreign Travel Emergency (Up to Plan Limits) |
|
|
✓ |
✓ |
✓ |
✓ |
|
|
✓ |
✓ |
Medicare Preventive Care Part B Coinsurance |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
✓ |
|
|
|
Out-of-Pocket Limit** |
$4,620 |
$2,310 |
|
|
|||
* Plan F also offers a high-deductible plan. This means you must pay for Medicare-covered costs up to the deductible amount $2,000 in 2010 befor your Medigap plan pays anything.
** After you meet you out-of-pocket yearly limit and your yearly part B deductible ($155 in 2010), the Medigap plan pays 100% of covered services for the rest of the calendar year. Out-of-pocket limit is the maximum ammount you would pay for coinsurance and copayments.
*** Plan N pays 100% of the Part B coinsurance except up to $20 copayment for office visits and up to $50 for emergency department visits.
