Medigap Mondays

This blog section contains information about Medicare supplement plans. You can learn more about the following:

Should I Keep Plan F

Should I Keep Plan F?

Medicare Supplement Plan F Video

Does Medicare Cover Chiropractors?

CVS Health COVID 19 Accendo Medicare Supplement

CVS COVID-19 Testing and Accendo Medicare Supplement

CVS COVID-19 Testing Accendo Medicare Supplement

CVS is offering adults free COVID-19 testing, “Video Visit” telemedicine services, and Accendo Medicare Supplement plans for seniors with a 14% household discount! You will learn which states have CVS COVID-19 testing, how to schedule your test, and how to evaluate your medical condition from the safety of your home. Furthermore, you will discover the Medigap Plans offered by Accendo and in which states these plans are available.

CVS Health COVID-19 Testing

Starting May 29, 2020, CVS Health has 1,000 COVID-19 test sites in 31 states across the country and Washington, DC. The COVID-19 test is free for legal residents age 18 or older in the following states:

  • AZ – Arizona
  • CA – California
  • FL – Florida
  • GA – Georgia
  • HI – Hawaii
  • IL – Illinois
  • IN – Indiana
  • KY – Kentucky
  • LA – Louisiana
  • MA – Massachusetts
  • ME – Maine
  • MD – Maryland
  • MI – Michigan
  • MN – Minnesota
  • MO – Missouri

  • NE – Nebraska
  • NV – Nevada
  • NH – New Hampshire
  • NJ – New Jersey
  • NY – New York
  • NC – North Carolina
  • OH – Ohio
  • OK – Oklahoma
  • PA – Pennsylvania
  • RI – Rhode Island
  • SC – South Carolina
  • TN – Tennessee
  • TX – Texas
  • VA – Virginia
  • WI – Wisconsin

How does CVS COVID-19 Testing Work?

First, you schedule a COVID-19 test by entering your zip code. You fill out a short questionnaire about your date of birth, symptoms, and medical conditions. Then you can select a COVID-19 test site location and time.

CVS COVID-19 testing nasal swab sample collection

Next, fill out a registration form with your personal information. This form includes your name, address, date of birth, gender, email, mobile phone number, medical insurance information, and vehicle information.

On your COVID-19 testing appointment, you stay in your car and follow instructions posted at the site. Testing involves you will inserting a nasal swap into your nostril and twist it for up to 15 seconds, as shown in the photo below. Alternatively, you can have a friend insert the swab for you.

CVS performs a PCR test, which tests for an active Coronavirus infection. The COVID-19 testing lab emails your results within 2-4 days through MyChart.

How to Stay Safe During COVID-19 Pandemic

You can limit your exposure and the spread of Coronavirus by using Medicare Telehealth. CVS provides “Video Visit” telemedicine services to evaluate your medical condition, including symptoms of Coronavirus (COVID-19), from the safety of your home. Video Visit can also evaluate non-urgent illnesses in adults and children over age 2, including the following:

  • Allergies
  • Colds & coughs
  • Earaches
  • Flu
  • Minor injuries
  • Sinus infections
  • Skin conditions
  • Sore throat
  • Upset stomach
  • UTIs & bladder infections

Medical services can be expensive, especially for seniors. A Medicare Supplement Plan pays the $1408 Part A hospital deductible and 20% of medical costs not covered by Original Medicare. With an Accendo Medicare Supplement, you can now get an affordable Medigap plan.

What is Accendo Medicare Supplement?

Starting on March 13, 2020, Accendo is a new Medicare Supplement Insurance company that offers Medigap Plans A, B, F, G, and N. It’s a subsidiary of CVS Caremark. It has partnered with Aetna to provide Medicare Supplement plans with a 14% household premium discount in the following 15 states:

  • Arkansas
  • Arizona
  • Georgia
  • Iowa
  • Illinois
  • Indiana
  • Michigan
  • Mississippi
  • North Carolina
  • Nebraska
  • New Jersey
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • Tennessee

In addition to Accendo’s record-breaking 14% household discount, it has a fast application process that gives you an instant yes or no. Therefore, you do not have to wait several days to find out whether or not you are approved. To apply for an Accendo Medicare Supplement plan, call Senior Healthcare Direct at 1-855-368-4717 or get your quote.

Bankers Fidelity Medigap Plans

Bankers Fidelity Medicare Supplement

Bankers Fidelity Medicare Supplement

Bankers Fidelity Medicare Supplement Plans

Bankers Fidelity is a Top Medicare Supplement Company. It offers the following Medigap plans: A, B, F, high deductible F, G, K, L, M, and N. Bankers Fidelity Medicare Supplement plans offer you the following benefits.

Medicare Part A Hospital Coverage

Banker Fidelity Medigap plans all cover Medicare Part A coinsurance costs. For example, you have blocked arteries resulting in chest pain and shortness of breath. Your doctor admits you to the hospital for coronary angioplasty and stents. Original Medicare only covers 80% of your hospital bills. However, all Bankers Fidelity Medigap plans pay your 20% coinsurance hospital costs which include the following:

  • Bankers Fidelity pays $176 coinsurance in 2020 for days 21 thru 100 in a skilled nursing facility on Medigap Plans F, G, M, and N. However, it only pays 50% on Plan K and 75% on Plan L. Furthermore, you pay all costs after day 20 on Plans A and B. 
  • Bankers Fidelity pays $352 coinsurance in 2020 for days 61 thru 90 in a Long-Term Care Hospital (LTCH). These 30 days of care add up to over ten-thousand dollars in benefits!
  • The first 3 pints of blood are free with Bankers Fidelity Plans A, B, F, G, M, and N. However, Plan K only covers 50% (1.5 pints), and Plan L only covers 75% (2.25 pints).

Moreover, Bankers Fidelity covers inpatient mental health services. If you get admitted into a psychiatric hospital, Medicare Part A pays up to 190 days. Bankers Fidelity covers all of the above hospital services. However, which Medigap Plans pay the Part A hospital deductible?

Medicare Part A Deductible

Bankers Fidelity Medigap Plans B, F, G, and N pay 100% of $1408 Part A deductible in 2020. However, Plans K and M only pay 50% or $704. As a result, you pay the other half of the Part A deductible with Plans K and M.

Furthermore, Plan L only pays 75% or $1056. Thus, you pay 25% of Part A deductible with Plan L. Lastly, Medigap Plan A does not cover the Part A deductible, so you must pay all of it yourself. Now that you know the hospital coverage and costs covered by Medicare Part A, what is the medical coverage and costs of Medicare Part B?

Medicare Part B Medical Coverage

Senior walking on treadmill for intense exercise program

Bankers Fidelity Medigap Plans A, B, F, G, M, and N cover your Part B coinsurance. For example, in the last 12 months, you had a heart attack. Medicare Part B covers intensive cardiac rehabilitation (ICR) programs, which usually include intense exercise, education, and counseling. 

However, Original Medicare only pays 80% of your Part B costs. Thus, you must pay for the other 20%. When you get a Bankers Fidelity Medigap Plan mentioned above, this plan pays your 20% coinsurance payment. On the other hand, Medigap Plan K only pays 50%, so you must pay 10% coinsurance. Similarly, Plan L only pays 75%, so you must pay 5% coinsurance. 

Moreover, only Bankers Fidelity Medigap Plan F pays the Part B deductible of $198 in 2020. For all other Banker Fidelity Medigap Plans, you pay this one-time annual $198 Part B deductible. Furthermore, any person newly eligible for Medicare in 2020 can not enroll in Plan F. 

Medicare Part B Preventive Medical Services

Bankers Fidelity covers the 20% coinsurance Part B costs for the following preventive medical services:

  • Bankers Fidelity pays 20% coinsurance when colorectal cancer screening discovers abnormal tissue (polyp), and the doctor removes it for later examination. 
  • Bankers Fidelity pays 20% coinsurance to diagnose and treat your mental health after you pay $198 part B deductible in 2020 (except for Plan F).
  • For men over the age of 50, Bankers Fidelity pays 20% coinsurance for prostate cancer digital rectal exam after you pay $198 Part B annual deductible (expect Plan F). 

Bankers Fidelity Medigap Plan F pays your $198 Part B deductible. Now you know how Bankers Fidelity Medigap Plans cover your Part B medical costs. Next, let’s look at the benefits and costs of Bankers Fidelity Medigap Plan N. 

Bankers Fidelity Medicare Supplement Plan N

Bankers Fidelity Medigap Plan N pays 100% of the following Part A benefits:

  • Hospital deductible of $1408 in 2020
  • Hospice and inpatient hospital care
  • Inpatient care in a skilled nursing facility
  • First three pints of blood as an inpatient 

Furthermore, Bankers Fidelity Medigap Plan N also covers the first three pints of blood as an outpatient under Medicare Part B. Moreover, Plan N covers 100% of Part B coinsurance except under the following conditions:

  • You visit a medical facility and get treated as an outpatient. In this case, you will need to pay up to $20 per visit.
  • You visit the emergency room (ER) and get treated as an outpatient. In this case, you will need to pay up to $50 copayment. 

Finally, Bankers Fidelity pays 80% of Foreign Travel Emergency. Now you know what Bankers Fidelity Plan N covers. On the other hand, what does it not cover?

What is not covered by Bankers Fidelity Plan N?

Bankers Fidelity Medigap Plan N does not cover Medicare Part B deductible of $198 in 2020. Nor does it pay Medicare Part B excess charges. Now that you know what Plan N does and does not cover, how does Plan N compare to other Bankers Fidelity Medigap plans?

Compare Bankers Fidelity Medicare Supplement Plans

You can use the Bankers Fidelity Medigap Plans chart to compare benefits side-by-side. In the chart below, 100% indicates the Medigap Plan benefit is fully covered. However, any percentage less than 100% provides you with that percentage of coverage. For example, Plan K only covers 50% of Part A hospital deductible. In other words, you pay half of $1408. Therefore, your Part A deductible cost is $704. 

Furthermore, you can use the chart below to compare Banker Fidelity Medigap Plans quickly and easily. Moreover, you can download this chart for future reference.

Bankers Fidelity Medicare Supplement Plans chart
Click on Bankers Fidelity Medigap Plans chart to download or embed

Bankers Fidelity Medicare Supplement Plan F 

Bankers Fidelity Medigap Plan F has the most benefits. However, it also has the highest monthly premiums. Moreover, Plan F is not available to people newly eligible for Medicare on or after January 1, 2020. In other words, you are not allowed to purchase a Medigap Plan F if you were first eligible for Medicare in 2020. 

On the other hand, you are allowed to have Plan F under the following conditions:

  • You were eligible for Medicare before January 1, 2020.
  • You already have Plan F.

In the cases above, you can continue your Plan F coverage. Unlike other Bankers Fidelity Medigap Plans, Plan F is the only supplement that pays your $198 Part B deductible in 2020. If you are not eligible for Plan F, the most comprehensive coverage you can get is Plan G.

Bankers Fidelity Medicare Supplement Plan G

Bankers Fidelity has the same great coverage benefits as Plan F. The only difference is you pay a one-time, annual Part B deductible of $198 in 2020. However, Plan G’s monthly premium costs less than Plan F and can save you several hundred dollars per year. That’s why Senior Healthcare Direct calls Plan G the “Greatest Value.” Find out how much you can save on Plan G by calling 1-855-368-4717.

Shop and Save on Medigap Plans

Senior Healthcare Direct makes it easy for you to shop and save on your Medigap plan. As a Medicare insurance broker, we can shop your plan with over 30+ A-rated insurance carriers such as Bankers Fidelity, Transamerica, Manhattan Life, Cigna, and State Farm. Call Senior Healthcare Direct at 1-855-368-4717 or click the “Get Quote” button.

medicare-supplement-plan-g-quote

MedicareBob and Bankers Fidelity Video

Robert Bache, the owner of Senior Healthcare Direct, interviews Vice President of senior sales Ryan McMillen. In this video, you will learn more about senior insurance products, including supplement plans, advantage short-term care, and “lump-sum” cancer policies.

Transamerica Medigap Plans

Transamerica Medicare Supplement

Transamerica Medicare Supplement

Transamerica Medicare Supplement Plans

Transamerica is a Top Medicare Supplement insurance company. It offers the following Medigap plans: A, F, G, K, N. Transamerica’s Medicare Supplement Plans offer you the following benefits.

Medicare Part A Hospital Coverage

Transamerica plans cover Medicare Part A coinsurance costs. For example, a senior goes into the hospital for hip replacement surgery. Original Medicare only covers 80% of your hospital bills. However, all Transamerica Medigap plans pay your 20% coinsurance costs which include the following:

  • Transamerica pays $176 coinsurance in 2020 for days 21 thru 100 in a skilled nursing facility on Medigap plans F, G, and N. Plan K only covers 50% or $88 coinsurance in 2020. Furthermore, Plan A only pays for the first twenty days, the same as Original Medicare. 
  • Transamerica pays $352 coinsurance in 2020 for days 61 thru 90 in a Long-Term Care Hospital (LTCH). When you add up the benefits of a thirty-day stay at LTCH, you benefit totals over ten-thousand dollars!
  • The first three blood pints are free with Transamerica Medigap Plans A, F, G, and N. However, Plan K only covers 50%, so only your first 1.5 blood pints are free. 

Moreover, Transamerica also covers inpatient mental health services. Medicare Part A can pay up to 190 days in a psychiatric hospital. Now that you know what hospital services are covered, which Transamerica Medigap Plans cover the Part A hospital deductible?

Medicare Part A Deductible

Transamerica Medigap Plans F, G, and N pay 100% of $1408 Part A deductible in 2020. However, Plan K only pays 50% or $704. As a result, you will need to pay the other half. Furthermore, Plan A does not cover Part A deductible. So you will need to pay the full $1408 deductible. Now that you know the hospital services and costs of Transamerica Medigap Plans, what are the medical services and costs covered by Part B?

Medicare Part B Medical Coverage

The CDC finds African Americans are two times as likely to die from heart diesase than whites.

All Transamerica Medicare Supplement Plans cover Part B coinsurance. For example, if you have heart failure, Medicare covers the implant of an automatic defibrillator. If your open-heart surgery takes place in a hospital outpatient setting, then Medicare Part B pays for the operation. 

Original Medicare only pays 80%. However, all Transamerica Medigap Plans cover your 20% coinsurance except Plan K, which only covers 50%. With Plan K, you pay 10% coinsurance. Moreover, only Plan F covers the $198 Part B deductible. Therefore, with all other Transamerica Medigap Plans, you pay $198 Part B annual deductible. 

Furthermore, Transamerica Medigap Plans cover the following preventive services:

  • Transamerica pays 20% coinsurance when colorectal cancer screening discovers the presence of abnormal tissue (polyp). As a result, the doctor removes a sample for later examination.
  • Transamerica pays 20% coinsurance to diagnose and treat your mental health after you pay $198 Part B deductible in 2020 (except for Plan F).
  • For men over the age of 50, Transamerica pays 20% coinsurance for prostate cancer digital rectal exam after you pay $198 Part B annual deductible (except Plan F).

Transamerica Plan F pays your $198 Part B deductible. Now you know Transamerica’s Part B medical benefits and costs. Next, let’s look at Transamerica Medigap Plan N coverage benefits and costs.

Transamerica Medicare Supplement Plan N

Transamerica Medigap Plan N pays 100% of the following Part A benefits:

  • Part A hospital, hospice care, and skilled nursing facility coinsurance
  • Part A $1408 hospital deductible in 2020
  • First three pints of blood as a hospital inpatient

Furthermore, Transamerica covers the first three pints of blood as a hospital outpatient under Medicare Part B. Moreover, 100% of Part B coinsurance is covered by Transamerica expect in the following cases:

  • You visit a medical facility (doctor’s office) and get treated as an outpatient. In this case, you will need to pay up to $20 per visit.
  • You visit the Emergency room (ER) and get treated as an outpatient. In this case, you will need to pay up to $50 copayment.

Finally, Transamerica covers 80% of Foreign Travel Emergency. Now that you know what is covered by Transamerica Plan N, what does it not cover?

What is not coverd by Transamerica Plan N?

Transamerica Medicare Supplement Plan N does not cover the annual part B deductible of $198 in 2020. As a result, you must pay the $198 Part B deductible once per year before Transamerica covers any medical services. Furthermore, it does not include Part B excess charges. Now you know what Transamerica Medigap Plan N does not cover. So how does Plan N compare to other Transamerica Medigap Plans?

Compare Transamerica Medicare Supplement Plans

You can use the Transamerica Medigap Plan chart below to compare benefits side-by-side. In the chart, an X indicates no benefit, and 100% means the plan fully covers the benefit. 50% and 80% provides you with partial benefits. The chart below can help you quickly compare the benefits of Transamerica Medicare Supplement Plans. Furthermore, you can download this chart for future reference.

Transamerica Medicare Supplement Plans chart
Click on Transamerica Medigap Plans chart to download or embed

Transamerica Medicare Supplement Plan F

People newly eligible for Medicare on or after January 1, 2020 are not allowed to purchase a Transamerica Medigap Plan F. However, you can have Plan F under the following cases:

  • You were eligible for Medicare before January 1, 2020.
  • You already have Plan F.

Therefore, you can keep Plan F if either case applies to you. Transamerica Medigap Plan F pays your $198 Part B deductible and Part B excess charges. Plan G is similar to Plan F. 

Transamerica Medicare Supplement Plan G

Transamerica Medigap Plan G has the same benefits as Plan F, except you pay the $198 Part B deductible. You only have to pay the Part B deductible once per year. However, you pay the Plan G premium every month, and it costs less than the Plan F premium. As a result, you can save several hundred per year on Plan G premiums. That’s why Senior Healthcare Direct calls Plan G the “greatest value.” Find out how much you can save on Plan G by calling 1-855-368-4717

Shop and Compare Medigap Plans

It’s easy to shop and compare Medigap Plans with the free help of a Medicare insurance broker. Senior Healthcare Direct makes it easy for you to shop and compare Medigap Plans with over 30+ A-rated insurance carriers. You can shop and save with Transamerica, Bankers Fidelity, Manhattan Life, Cigna, and State Farm. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button.

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Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement Plans

Manhattan Life is a Top Medicare Supplement insurance company . It offers the following Medigap plans: A, C, F, G, and N. Manhattan Life’s Medicare Supplement Plans offer you the following benefits.

Medicare Part A Hospital Coverage

Manhattan Life Medigap Plans cover Medicare Part A hospital coinsurance costs. For example, if you get into a vehicle accident, you may need hospitalization. Original Medicare only covers 80% of your hospital costs. However, every Manhattan Life Medigap plan pays your 20% coinsurance costs which include the following hospital costs:

  • Manhattan Life pays $176 coinsurance in 2020 for days 21 thru 100 in a skilled nursing facility on Medigap Plans C, F, G, and N. However, only the first twenty days are covered by Plan A. 
  • Manhattan Life pays $352 coinsurance in 2020 for days 61 thru 90 in a Long-Term Care Hospital (LTCH). These thirty days in an LTCH adds up to over ten-thousand dollars in benefits. 
  • With a Manhattan Life Medigap plan, the hospital covers the first three pints of blood.

Moreover, Medicare Part A also covers mental health services up to 190 days in a psychiatric hospital. Now that you know what hospital services are covered, how much is the Part A hospital deductible for Manhattan Life Medigap Plans?

Medicare Part A Deductible

All Manhattan Life Medigap plans pay the $1408 Part A hospital deductible except Plan A. In other words, Manhattan Life Plans C, F, G, and N all cover 100% of Part A deductible. Now you know the hospital services and costs covered by Manhatten Life. Next, let’s look at Part B medical services and costs.

Medicare Part B Medical Coverage

All Manhattan Life Medicare Supplement plans cover Part B coinsurance. For example, if you are one of the 34.2 million Americans with diabetes, Medicare Part B covers eye exams for diabetic retinopathy. Original Medicare only pays 80% of the Medicare-approved amount for the service of your ophthalmologist. However, Manhattan Life Medigap Plans cover the other 20%. Furthermore, you must pay $198 Part B deductible in 2020, unless you have Plans C or F. 

Glaucoma Testing
Glaucoma testing covered by Medicare Part B

Moreover, Manhattan Life Medigap Plans also cover glaucoma tests once every 12 months if you are at high risk for glaucoma. Anyone with the following medical conditions is high-risk and can get glaucoma tests:

  • You have diabetes.
  • You have a family history of glaucoma.
  • Any African American age 50 or older.
  • Any Hispanic age 65 or older.

Furthermore, Manhattan Life medical services cover the following preventive services:

  • Manhattan Life pays 20% coinsurance when colorectal cancer screening discovers the presence of abnormal tissue (polyp), and the doctor removes a sample for later examination.
  • Manhattan Life pays 20% coinsurance to diagnose and treat your mental health after you pay $198 Part B deductible in 2020 (except for plans C and F). 
  • For men over the age of 50, Manhattan Life pays 20% coinsurance for prostate cancer digital rectal exam after you pay $198 Part B deductible (except plans C and F).

Manhattan Life Medigap Plans C and F pay your $198 Part B deductible. All Manhattan Life plans have specific coverage benefits and costs. First, let’s look at Plan N.

Manhattan Life Supplement Plan N

Manhattan Life Medigap Plan N pays 100% of the following Part A benefits:

  • Part A hospital, hospice care, and skilled nursing facility coinsurance
  • Part A $1408 hospital deductible in 2020
  • First three pints of blood as a hospital inpatient

Furthermore, Manhattan Life Plan N covers the first three pints of blood as a hospital outpatient under Medicare Part B. Moreover, 100% of Part B coinsurance is covered by Manhattan Life Plan N expect in the following cases:

  • Outpatient visits to a medical facility (doctor’s office) will require you to pay up to $20 per visit
  • Outpatient emergency room visits will cost you $50 copayment

Finally, Manhattan Life Plan N covers 80% of Foreign Travel Emergency. So now you know what is covered by Manhattan Life Medigap Plan N. So what doesn’t Plan N cover?

What is not covered by Manhattan Life Plan N?

Manhattan Life Medicare Supplement Plan N does not cover the annual part B deductible of $198 in 2020. Furthermore, it does not include Part B excess charges. As a result, you must pay $198 Part B deductible once per year before Manhattan Life covers any medical services. So that’s what Manhattan Life Medigap Plan N does not cover. How does Plan N compare to other Manhattan Life Medigap Plans?

Compare Manhattan Life Medicare Supplement Plans

You can use the chart below to compare Manhattan Life Medigap Plan side-by-side. The benefits marked by X are not covered. However, fully covered benefits show 100%. Partial benefits on Foreign Travel only include 80% coverage. This chart can help you quickly compare the benefits of Manhattan Life Medicare Supplement plans. Furthermore, you can download this chart for future reference. 

Manhattan Life Medigap Plans Infographic
Click on Manhattan Life Medigap Plans chart to download or embed

Manhattan Life Medicare Supplement Plans C and F

Starting on January 1, 2020, Medigap plans sold to “new people” are not allowed to cover the Part B deductible. As a result, people newly eligible for Medicare in 2020 are not allowed to buy Plans C or F. If you were eligible before January 1, 2020, or already have Plans C or F, you can keep your plan. In this latter case, Manhattan Life Plan C and F pays your Part B deductible of $198 in 2020. However, only Plan F pays Part B excess charges. Manhattan Life Plan G is similar to Plan F.

Manhattan Life Medicare Supplement Plan G

Manhattan Life’s Medigap plan G has the same benefits of Plan F, except you pay the $198 Part B deductible once per year. When you compare the monthly premium saving on Plan G compared to Plan F, you can save hundreds per year. That is why Senior Healthcare Direct calls Plan G the “greatest value.” You can find out how much you can save on Plan G by shopping for the best price at 1-855-368-4717.

Shop and Compare Medigap Plans

You can shop and compare Medigap Plans with the best prices by using the free services of a Medicare insurance broker. Senior Healthcare Direct can shop and compare Medigap Plans with 30+ A-rated carriers, including Manhattan Life, Bankers Fidelity, Cigna, State Farm, Anthem Blue Cross, and Transamerica. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button.

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Humana Medigap Plans

Humana Medicare Supplement

Humana Medicare Supplement Plans

Humana Medicare Supplement Plans

Humana is a Top Medicare Supplement insurance company and offers the following Medigap plans: A, B, F, High deductible F, G, K, L, and N. Humana’s Medicare Supplement plans offer you the following benefits.

Medicare Part A Hospital Coverage

Humana Medigap Plans cover Medicare Part A hospital coinsurance costs. For example, you get infected by the Coronavirus and need hospitalization. Original Medicare will only cover 80% of hospital costs. However, all Humana Medigap Plans pay your 20% coinsurance costs which include the following hospital services:

  • Humana pays $176 coinsurance in 2020 for days 21 thru 100 in a skilled nursing facility on Medigap Plans C, F, G, and N. However, Plan K pays $88 coinsurance (50%), and Plan L pays $132 coinsurance (75%) during this same period. Furthermore, Plans A and B only pay for the first 20 days under Original Medicare.
  • Humana pays $352 coinsurance in 2020 for days 61 thru 90 in a Long-Term Care Hospital (LTHC). These 30 benefit days in LTHC add up to $10,560. 
  • When a hospital needs to buy blood for you, Humana Medigap plans pay for the first three pints of blood. However, Plans K only pays 50%, and Plan L only pays 75%.

Medicare only covers the first 100 days in a Skilled Nursing Facility. After one hundred days, you are responsible for all costs. Now that you know what hospital services are covered, how much is the Part A hospital deductible for Humana Medigap Plans?

Medicare Part A Deductible

All Humana Medigap Plans pay the $1408 Part A hospital deductible expect Plan A. However, Plan K only pays $704 (50%), and Plan L only pays $1056 (75%) of the Part A deductible. In other words, Humana Plans B, C, F, High deductible F, G, and N pay 100% of Part A deductible. You now know the Part A hospital coverage and costs for Humana Plans. Moreover, Humana Plans cover the following Part B medical services.

Medicare Part B Medical Coverage

X-ray senior and doctor
Senior looks at x-ray with doctor

All Humana Medigap Plans cover Part B coinsurance. However, Plan K only covers 50%, and Plan L only covers 75%. For example, while walking your dog, you trip and fall. You see your medical doctor, and he orders an X-ray. Original Medicare only covers 80% of diagnostic x-rays. A Humana Medigap Plans A, B, C, F, High deductible F, G, and N all cover the other 20%. However, Plan K only covers 50%, and Plan L only covers 75%.

Moreover, X-rays require you to pay $198 Part B deductible in 2020. If you get the X-ray in a hospital outpatient setting, you will also have a copayment. In addition to X-rays, Humana Medicare Supplements cover the following medical services:

  • Humana pays 20% coinsurance when colorectal cancer screening discovers the presence of abnormal tissue (polyp), and the doctor removes a sample for later examination. 
  • Humana pays 20% coinsurance to diagnose and treat your mental health condition after you pay $198 Part B deductible in 2020 (except Plans C and F). 
  • For men over the age of 50, Humana Plans pay 20% coinsurance for prostate cancer digital rectal exam after you pay $198 Part B deductible (except Plans C and F).

Humana Medigap Plans C and F pay the $198 Part B deductible for you. Each Medigap plan has its specific coverage and costs. First, let’s look at Humana Plan N. 

Humana Supplement Plan N

Humana Medigap Plan N pays 100% of the following Part A benefits:

  • Part A hospital, hospice care, and skilled nursing facility coinsurance
  • Part A $1408 hospital deductible

Furthermore, Humana Plan N covers 100% of Part B coinsurance costs except in the following cases:

  • Outpatient visits to a medical facility (doctor office) will require you to pay up to $20 per visit
  • Outpatient emergency room visits will cost you $50 copayment

However, should your visit to a medical facility result in your inpatient admission, you will not have any copayment. Furthermore, should your emergency room visit result in you becoming an inpatient, you will not have any copayment.

Finally, Humana Plan N covers the first three pints of blood and 80% of Foreign Travel Emergency. Now you know what is covered by Humana’s Plan N. So what doesn’t Plan N cover?

What is not covered by Humana Plan N?

Humana’s Medicare supplement plan does not cover the annual Part B deductible of $198 in 2020. Furthermore, it does not include Part B excess charges. Thus, Humana’s Medigap Plan N requires you to pay the annual $198 Part B deductible before Humana covers any medical services. Now you know what Humana Plan N covers and does not cover. So how do all Humana Plans compare side-by-side?

Compare Humana Medigap Plans

You can use the chart below to compare Humana Medigap Plans side-by-side. Benefits not covered are marked with X. Fully covered benefits show 100%. Partially benefits indicated by a percentage such as 50% with Plan K, 75% with Plan L, and 80% with Foreign Travel Emergency. This chart can help you quickly compare the benefits of Humana plans. You can download this chart for future reference.

Humana Medicare Supplement Plans
Click on Humana Medigap Plans chart to download or embed

MedicareBob Video on Humana Medigap Plans F, G, and N

You can watch Robert Bache’s MedicareBob video about Humana’s Medigap Plans F, G, and N. In this video, you will learn how Medicare Plan F works, which MedicareBob calls “Full Coverage.” You will also learn about Medicare Plan G, which MedicareBob calls “Greatest Value.” Lastly, you will discover how Part B excess charges work with Plan N.

Humana Medicare Supplement Plans C and F

Anyone who newly enrolls in Medicare on or after January 1, 2020 cannot get Medigap Plans C and F. However, anyone who had Plan C or F before January 1, 2020, can keep it. Humana Plan C and F pays your Part B deductible of $198 in 2020. Both of these plans pay 80% foreign travel emergency. However, only Plan F pays Part B excess charges. Humana Plan G is similar to Plan F.

Humana Medicare Supplement Plan G

Senior Healthcare Direct believes Plan G offers you the greatest value. You can save hundreds per year on monthly premiums on Plan G compared to Plan F. The only difference is you Plan G requires you to pay a one-time annual $198 Part B deductible in 2020. Find out how much you can save on Plan G by shopping for the best price at 1-855-368-4717.

Shop and Compare Medigap Plan Prices

You can shop and compare the best prices on Medigap plans when you use a Medicare insurance broker. Senior Healthcare Direct can get you the coverage you need at the best price. We can compare prices with over 30 A-rated insurance carriers, including Humana, Cigna, State Farm, and Anthem Blue Cross. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Cigna Medicare Supplement

Cigna Medicare Supplement

Cigna Medicare Supplemen

Cigna Medicare Supplement

Cigna is a Top Medicare Supplement insurance company. This insurance carrier offers 8 Medigap Plans: A, B, C, D, F, high deductible F, G, and N. All Cigna supplement plans provide more coverage benefits than Original Medicare.

In this Medicare article, you can easily compare the benefits of all Cigna plans with our side-by-side Cigna Medigap Plan comparison chart. Moreover, you can download this chart for future reference. First, we will cover the Part A and Part B coverage benefits. Then we will look at what each Cigna Medigap plan covers and costs.

Medicare Part A Hospital Coverage

All Cigna Medicare Supplement plans cover Medicare Part A coinsurance costs. For example, Coronavirus Pandemic stay-at-home orders are causing anxiety and depression in many people across the nation. As a result, you can get inpatient mental health care services from a general hospital or a psychiatric hospital. All Cigna Medigap Plans will pay the 20% coinsurance that Original Medicare does not pay. Moreover, Cigna pays for the following mental health services:

Mental Health Inpatient Care

  • You have an unlimited number of benefit periods in a general hospital, Cigna pays $1408 Part A deductible every benefit period.
  • For a psychiatric hospital, you also have multiple benefit periods and a lifetime limit of 190 days, Cigna pays $1408 Part A deductible.
  • Between 61 days and 90 days, Cigna plans pay $352 coinsurance per day of each benefit period.
  • Ninety-one days and beyond, Cigna pays $704 coinsurance per each lifetime reserve day (100 days) and up to 60 days over your lifetime (160 total days).

The mental health benefits covered by all Cigna Medigap plans can save you over $11,000. For example, you become a mental health inpatient for three months. Cigna would pay your $1408 Part A deductible, and the first 60 days costs $0 coinsurance. In the next 30 days, Cigna would pay $10,560. Thus, your total Cigna Medigap Plan benefit is $11,968.

Whether for mental health or any other illness, you get the same Cigna hospital coverage benefits with Medicare Part A. Furthermore, you also get Medicare Part B medical coverage benefits with Cigna.

Medicare Part B Medical Coverage

All Cigna Medigap plans cover Part B coinsurance costs. For example, you have an e-visits where you communicate with a doctor using an online patient portal without going to the doctor’s office. Using Medicare telehealth is especially important during the ongoing Coronavirus Pandemic. All Cigna Medigap plans cover the 20% coinsurance not paid by Original Medicare. Moreover, Cigna plans C and F will pay your e-visit Part B deductible of $198 in 2020. There are several types of health practitioners with whom you can schedule e-visits including: 

  • Doctors
  • Nurse practitioners
  • Physician assistants
  • Licensed clinical social workers
  • Clinical psychologists
  • Physical therapists
  • Occupational therapists
  • Speech-language pathologists
Cigna e-visits

In additional to e-visits, Cigna Medigap Plans pay for the following preventive care as well:

  • When colorectal cancer screening discovers the presence of abnormal tissue (polyp), and the doctor removes a sample for later examination, Cigna Medigap plans cover the 20% coinsurance.
  • After you pay the $198 Part B deductible in 2020 (except plans C and F), Cigna Medigap Plans pay 20% coinsurance costs for diabetes self-management training.
  • For men over the age of 50, Cigna plans cover 20% coinsurance for prostate cancer digital rectal exam after you pay the $198 Part B deductible (expect plans C and F).

Specifically, Cigna Medigap Plans C and F pay the $198 Part B deductible. Moreover, Medigap Plan N may require Part B copays for particular medical services.

Cigna Medicare Supplement Plan N

Cigna Medigap Plan N requires you to make copayments in the following cases:

  • An outpatient visit, including e-visits to your doctor, will require up to $20 copayment.
  • An outpatient emergency room visit will require you to pay up to $50 copayment.

However, in the following cases, you will not have to make copayments:

  • After you visit your doctor, you get admitted as an inpatient.
  • After visiting the emergency room, you become an inpatient.

For more details on the benefits of Medigap Plan N, please refer to the comparison chart below. This chart shows Plan N does not cover the following: Part B deductible and Part B excess charges.

Cigna Medigap Plans Comparison Chart

The chart below compares the Medigap Plans side-by-side for all Cigna plans. You can easily compare the coverage benefits of plans A, B, C, D, F, G, and N. The spaces on the chart marked X do not cover that benefit. While the plans marked “100%” does include those benefits.

Cigna Medicare Supplement plans infographic
Cigna Medicare Supplement plans embed or download infographic

Cigna Medicare Supplement Plan C, Plan F, and Plan G 

Medigap plans C, F, and high deductible F, are the only Cigna plans that pay Part B annual deductible of $198 in 2020. However, only Cigna Plan F and Plan G pay Medicare Part B Excess Charges.

Cigna Foreign Travel Emergency Medigap Plans

Cigna has 5 Medigap Plans that cover Foreign Travel Emergency: Plans C, D, F, G, and N. The only Cigna Medigap Plans A and B do not cover Foreign Travel Emergency. After you pay Part B deductible of $198 (except for plans C and F), you will be responsible for paying 20% of the Medicare-approved amount. 

Shop and Save on your Medigap Plan

As an independent Medicare broker, Senior Healthcare Direct can compare Medigap Plan prices with Cigna and many other top insurance carriers. When you shop with Senior Healthcare Direct, you can easily compare Medigap Plan prices with brands you know, such as Humana, Anthem Blue Cross, Bankers Fidelity, State Farm, Manhattan Life, and Transamerica. For seniors new to Medicare, we recommend you shop for Medicare Plan G because it has the greatest value and coverage. Call Senior Healthcare Direct at 1-855-368-1500 to shop and save on your Medigap plan and get a quote.

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State Farm Medigap Plans

State Farm Medicare Supplement

State Farm Medicare Supplement

State Farm Medicare Supplement

State Farm is a Top Medicare Supplement insurance company. This insurance carrier offers 8 Medigap plans: A, B, C, D, F, high deductible F, G, and N. Every State Farm Medicare Supplement plan covers costs that Original Medicare does not pay.

After you read this Medicare article, you will know what each State Farm Medigap plan covers and costs. Furthermore, you can download our free State Farm Medigap comparison chart. You can use this chart updated for 2020 to compare Medigap plans side-by-side. It’s a great reference chart you can save on your computer and reference at any time.

Medicare Part A Hospital Coverage 

All State Farm Medicare Supplement plans cover Part A coinsurance costs that Original Medicare does not pay. For example, you become infected with COVID-19 Coronavirus and need hospitalization. Every State Farm Medigap plan will pay the 20% coinsurance that Orginal Medicare does not pay. Furthermore, State Farm Medicare plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, State Farm plans pay $176 coinsurance in 2020 (except plans A and B) up to 100 days. These 80 days give you a benefit of $14,080. 
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), State Farm Medigap plans pay $352 coinsurance per day in 2020. These 30 days add up to $10,650 in benefits.
  • Every 60 day benefit period as a hospital inpatient, State Farm Medigap plans (except plan A) pay $1408 Part A deductible in 2020. Over a year, the total benefit amount is $8,448.

When you add up just these hospital benefits, State Farm Medigap plans C, D, F, G, and N benefits total $33,178. Furthermore, State Farm also provides you with Medicare Part B medical coverage.

Medicare Part B Medical Coverage

Every State Farm Medigap plan covers Part B coinsurance costs. For example, if you have any of the following medical conditions, State Farm will include cardiac rehabilitation. 

  • Heart attack in the last 12 months
  • Coronary artery bypass surgery
  • Current stable angina (chest pain)
  • A heart valve repair or replacement
  • Coronary angioplasty (a medical procedure used to open a blocked artery)
  • Coronary Stent (a metal or plastic tube to keep an artery open)
  • Heart or heart-lung transplant
  • Stable Chronic heart failure

If you have any of the above medical conditions, State Farm will cover Intensive Cardiac Rehabilitation (ICR), which usually includes intense exercise, education, and counseling. You can receive ICR in a hospital outpatient setting or a doctor’s office. State Farm will pay the 20% coinsurance after you pay the Part B deductible (except for plans C and F). In other words, Medigap plans C and F will pay your Part B deductible and 20% coinsurance.

Furthermore, State Farm plans pay for the following preventive care:

  • When colorectal screening discovers the presence of abnormal tissue (poly), and the doctor removes a sample for later examination, State Farm Medigap plans cover the 20% coinsurance.
  • After you pay the $198 Part B deductible in 2020 (except plans C and F), State Farm plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, State Farm Medigap plans cover 20% coinsurance for prostate cancer digital rectal exam after you pay the $198 Part B deductible (except plans C and F).

State Farm Medigap plans C and F pay the $198 Part B deductible. The only State Farm Medigap plan with Part B medical service copays is plan N.

State Farm Medicare Supplement Plan N

State Farm Medigap plans A, B, C, D, F, and G do not require you to make copays for Part B medical services. However, Plan N will require copayments under the following conditions:

  • When you visit the doctor as an outpatient (your visit is less than 24 hours), you will have a copay up to $20 per visit.
  • If you go to the emergency room and get seen as an outpatient, then you will have a copay up to $50.

On the other hand, you will not make copayment is the following cases:

  • You visit the doctor and become admitted to the hospital
  • You visit the emergency room and get admitted to the hospital

What Plan N does not cover

State Farm Medigap plan N does not cover Part B deductible, nor does it include Part B excess charges. As a result, you will need to pay an annual $198 Part B deductible before State Farm covers any of your medical expenses.

State Farm Medigap Plans Comparison Chart

The following downloadable chart compares all State Farm Medigap plans. You can quickly compare Medigap coverage benefits side-by-side for plans A, B, C, D, F, G, and N. Any plan benefit marked with X does not include that coverage benefit while plans marked with 100% do include that benefit. 

State Farm Medicare Supplement plans comparison chart
Embed and download this State Farm Medigap Plan comparison chart

State Farm Medicare Supplement Plans F and G

The only State Farm Medigap plans that pay Part B excess charges are plans F, high deductible F, and G. Moreover, plans C and F are the only State Farm Medigap plans that pay Part B deductible of $198 in 2020.

Foreign Travel Emergency

State Farm Medigap plans C, D, F, G, and N all cover 80% of your Medicare-approved foreign travel emergency benefits. Consequently, State Farm plans A and B do not include foreign travel emergency benefits. 

Shop and Save on your Medigap Plan

Senior Healthcare Direct can compare your Medigap Plan prices with State Farm and many other A+ rated insurance companies. You can compare Medigap plan prices with insurance brands you know, such as Humana, UnitedHealthcare, Anthem Blue Cross, Manhattan Life, Cigna, and Transamerica. For example, you can shop Medigap plan G and compare prices with multiple carriers with the services of a Medicare Insurance Broker. We can help you choose the Medigap plan with the best price and save you money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button.

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