Medigap Mondays

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

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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Anthem Blue Cross Medicare Supplement

Anthem Blue Cross Medicare Supplement

Anthem Blue Cross Medicare Supplement

Anthem Blue Cross Medicare Supplement

Anthem Blue Cross is a Top Medicare Supplement insurance company. This insurance carrier offers 7 Medigap Plans: A, F, high deductible F, G, K, L, and N. All Anthem Blue Cross supplement plans provide more coverage benefits than Original Medicare.

After you read this Medicare article, you will know what all Anthem Blue Cross Medigap plans cover and cost. Plus, you can download a free Anthem Blue Cross Medigap Plan comparison chart! So you can easily compare available plans for 2020.

Medicare Part A Hospital Coverage

All Anthem Blue Cross Medicare Supplement plans cover Medicare Part A coinsurance costs. For example, you are an inpatient at a hospital or skilled nursing facility. All Anthem Blue Cross Medigap plans will pay the 20% coinsurance that Original Medicare does not pay. Moreover, Anthem Blue Cross Medicare plans pay the following hospital services:

  • After the first 20 days in a skilled nursing facility, Anthem Blue Cross plans pay $176 coinsurance in 2020 (except plan A) up to 100 days. That’s a $14,800 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Anthem Blue Cross Medigap plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • Every 60 day benefit period as a hospital inpatient, Anthem Blue Cross Medigap plans (except plan A) pay $1408 Part A deductible in 2020. Since there are six benefit periods in a year, that’s an $8,448 benefit. 

When you add up these hospital benefits, Anthem Blue Cross Medigap plans F, G, N, K, and L benefits total $33,808. Your next type of Medicare benefits is Medicare Part B medical coverage.

Medicare Part B Medical Coverage

All Anthem Blue Cross Medigap plans cover Part B coinsurance costs. For example, you get a foot injury or diseases such as hammertoe, bunion, or heel spurs. IN this case, the medical services of a podiatrist (foot doctor), Original Medicare only covers 80%. However, all Anthem Blue Cross Medigap plans (expect plans K and L) pays the other 20% not covered by Original Medicare.

Medicare Part B covers the medical services of foot doctor

Seniors may develop the following foot problems:

  • Bunions are painful, bony bumps that develop on the outside of the big toe joint. 
  • Corns are thickened patches of dead skin that may develop in response to the constant rubbing from ill-fitting shoes.
  • Hammertoes refers to a toe that points curls up, rather than lying flat. 
  • Heel Spurs are bony growths that develop along the heel bone, which makes standing and walking very painful.

 Anthem Blue Cross Medigap Plan K pays 50%, and Plan L pays 75% of coinsurance for foot doctor medical services. Beyond foot care services, Anthem Blue Cross 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, Anthem Blue Cross plans cover the 20% coinsurance.
  • After you pay the $198 Part B deductible in 2020 (except plan F), Anthem Blue Cross plans pay 20% coinsurance cost for diabetes self-management training.
  • For men over the age of 50, Anthem Blue Cross plans cover 20% coinsurance for prostate cancer digital rectal exam after you pay the $198 Part B deductible (except plan F).

In particular, Anthem Blue Cross Plan F pays the $198 Part B deductible. Moreover, Plans N may require Part B copays for specific medical services.

Anthem Blue Cross Medicare Supplement Plan N

Anthem Blue Cross Medigap Plan N requires you to make copayments in the following cases:

  • When you visit the doctor as an outpatient, you have copay up to $20 per visit.
  • Outpatient emergency room visits require copays up to $50

However, in the following cases, no copay is necessary:

  • You visit your doctor and get admitted to as inpatient
  • Emergency room visit results in you getting admitted as an inpatient

What Plan N does not cover

Anthem Blue Cross Plan N does not cover the annual “one-time” Part B deductible of $198 in 2020. Neither does it pay Part B excess charges. Thus, Plan N requires you to pay the Part B deductible before Anthem Blue Cross covers any medical services.

Anthem Blue Cross Medigap Plans Comparison Chart

The chart below compares the Medigap Plans side by side for all Anthem Blue Cross plans. You can quickly compare the coverage benefits of Medicare plans A, F, G, K, L, and N. The spaces marked X do not cover that benefit. While the plans which are marked “100%” does include that benefit.

Anthem Blue Cross Medicare Supplement Plans Infographic
Click this Anthem Blue Cross Medigap Plans comparison chart to embed or download

Anthem Blue Cross Plans K and L

Plan K only covers 50% of Medicare-approved costs (except for Part A hospital coinsurance). Likewise, Plan L only covers 75% of Medicare-approved amounts (except for Part A hospital coinsurance). 

Anthem Blue Cross Medicare Supplement Plans F and G

Anthem Blue Cross Medigap Plan F, high deductible Plan F, and Plan G pay Medicare Part B Excess Charges. All other plans do not. Moreover, Plan F is the only Anthem Blue Cross Medigap plan that pays Part B deductible of $198 in 2020. 

Foreign Travel Emergency 

Foreign Travel Emergency benefit covers 80% of your Medicare-approved costs for Plans F, G, and N. In other words, you pay 20% of the Medicare-approved amount. Furthermore, you must pay the annual Part B deductible (expect Plan F). 

Shop and Save on your Medigap Plan

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

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best medicare supplement plan

What is the best Medicare Supplement Plan?

What is the best Medicare Supplement Plan?

We compare the best Medicare Supplement plans for 2020: Plan F vs. Plan G vs. Plan N. Figuring out the best Medicare plan on your own can be difficult. We help you determine the best Medigap plan for you.

best medicare supplement plan
We help you figure out the best Medigap Plan

Which Medicare Supplement Plan is best for you?

The following three factors will help you determine the best Medigap Plan for you:

  • Eligibility – Who is eligible for the plan?
  • Coverage – What does each plan cover?
  • Expense – What are the costs of each plan?

Your Medigap Plan Eligibility

In general, you must have Medicare Part A and Part B to be eligible for a Medigap plan. In 2020, anyone new to Medicare is eligible for Plan G and Plan N. However, Plan F is not available to people new to Medicare starting on January 1, 2020. On the other hand, if you are covered by Plan F before January 1, 2020, you can keep Plan F. 

Best Medigap Plan Coverage and Cost

Medigap Plan F provides you with full coverage benefits. Medigap Plan G offers the same coverage benefits of Plan F except you pay Part B deductible of $198 in 2020. Likewise, Medigap Plan N provides the same coverage benefits of Plan G, except you pay up to $20 for outpatient doctor visits and up to $50 for outpatient emergency room visits. The Best Medigap Plans chart summarizes the coverage benefits and costs.

Best Medicare Supplement Plans chart
Embed and Download the Best Medigap Plans infographic.

Best Medicare Plan for 2020

The best Medicare Plan for 2020 is Plan G. When you compare Plan G vs. Plan F, the Medicare plan with the best value is Plan G.

Why is Plan G the best Medicare plan for 2020?

There are many reasons why Plan G is the best in 2020. Plan G saves you more money on premiums over Plan F. Moreover, the only out-of-pocket difference is $198 one-time annual deductible. Other than this deductible, Plan G coverage is the same as Plan F. So why pay more for Plan F when Plan G has the same coverage benefits? There is no reason to pay more for Plan F. Therefore, the best Medicare Plan for 2020 is Plan G.

All Medigap Plans are standardized

In total, there are ten standard Medigap Plans in all states except Massachusetts, Minnesota, and Wisconsin. All Medicare Supplement plans include plans A, B, C, D, F, G, K, L, M, and N. You can compare all Medigap plans with our 2020 comparison chart.

How to Shop for the Best Medigap Plan?

Standard Medigap Plans offer the same coverage benefits in all states. So you can shop Medicare Supplement Plan G, and the coverage benefits will be the same no matter what insurance carrier you choose. For example, you may select Plan G through UnitedHealthcare or Aetna or Mutual of Omaha. Whichever insurance carrier you pick, you will get the same Plan G benefits. However, the monthly premiums between these companies will vary. Thus, a Medicare insurance broker makes it easy for you to compare rates with multiple insurance companies and save you money.

A Medicare Broker can save you money!

The smart move is to shop your Medigap plan with a Medicare insurance broker who represents all the top A-rated carriers. Such a broker is Senior Healthcare Direct, where you can compare prices with multiple insurance carriers, so you save money on the best Medigap plan. Speak to a licensed agent at 1-855-368-4717 or get a quote.

UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare is a Top Medicare Supplement insurance company that provides 9 Medigap Plans: A, B, C, F, High deductible F, G, K, L, and N. United Healthcare Medicare Supplement plans include the following coverage benefits.

Medicare Part A Hospital Coverage

United Healthcare Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at Long-Term Care Hospital (LTCH), Original Medicare covers Part A deductible $1408 in 2020 for the first 60 days for plans C, F, G, and N. However, does not cover Part A deductible for plans A and B. Furthermore, Part A deductible is only covered 50% on plan K and 75% on plan L.

In addition, United Healthcare plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, plans C, F, G, and N pay $176 coinsurance in 2020 up to 100 days. However, Medigap plans A and B have no skilled nursing facility benefits. However, plan K pays 50% coinsurance. In other words, you pay half. Likewise, plan L pays 75% coinsurance. So you pay 25%.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTHC), all plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by all plans except K and L. Medigap plan K covers 50% blood cost. Thus, you pay the other half. Medigap plan L covers 75% blood cost. So you pay 25%.

Long-Term Care Hospitals (LTCH) can treat inpatients for stays longer than 25 days. For example, patients may include people on ventilators for extended periods of time. In other cases, patients may have severe wounds or head injury.

UnitedHealthcare Medigap Plans in 2020

Robert Bache, owner of Senior Healthcare Direct, goes through all UnitedHealthcare Medicare Supplement plans. In the video below, Robert says, “You can only get Plan C if you were eligible for Medicare before January 1, 2020”. Furthermore, if you are newly eligible for Medicare on or after January 1, 2020, then you are not eligible to purchase Plan C. Likewise, you can only get Plan F if were eligible for Medicare prior to January 1, 2020. Consequently, you can not purchase Plan F if you are newly eligible for Medicare in 2020. Watch the video to find out which UnitedHealthcare Medicare Supplement plan is Robert’s favorite with low premiums.

Medicare Part A Deductible

Every UnitedHealthcare Medigap plan covers and pays Part A deductible $1408 in 2020 except plans A, K, and L. Specifically, UnitedHealthcare plans B, C, F, high deductible F, G, and N all pay 100% of Part A deductible. However, plan K pays 50% and plan L pays 75% of Part A deductible. For example, if you had UnitedHealthcare plan K and were admitted as inpatient at Long-Term Care Hospital, you would have to come out of pocket $704 before Medicare pays anything.

Medicare Part B Medical Coverage

Medicare Part B ambulance services

All UnitedHealtcare Medigap plans cover Part B coinsurance costs except plans K and L. For example, you need to use ambulance service to be transported to the nearest medical facility. As a result, Original Medicare Part B covers only 80%. With UnitedHealthcare Medigap plans A, B, C, F, high deductible F, G, and N the other 20% is covered. However, plan K pays 50% and plan L pays 75% of your 20% ambulance service. In addition, you will need to pay Part B annual deductible of $198 in 2020 if you have plans A, B, G, K, L, and N. However, the Part B deductible is covered by plans C and F.

In addition, United Healthcare Medicare Supplement plans cover the pay for the following medical services:

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

United Healthcare Medicare Supplement plans F and C cover and pay the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.

United Healthcare Medicare Supplement Plan N

UnitedHealthcare Medigap plan N will require you to pay Part B copayments in the following cases:

  • Outpatient visits to a medical facility will require you to pay up to $20 per visit
  • Outpatient Emergency room visits will cost you $50 copayment

The only exception to paying Part B copayment is staying at a medical facility for 24 hours or longer as inpatient. Otherwise, any outpatient medical services will result in you paying Part B copayment.

What is not covered by Medigap Plan N?

Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020. Furthermore, it does not cover Part B excess charges. Thus, UnitedHealthcare Medigap Plan N requires you to pay the annual $198 Part B deductible before UnitedHealthcare will cover any medical services.

Compare UnitedHealthcare Medigap Plans

You can use the chart below to compare Medigap benefits side by side for all UnitedHealthcare plans. Benefits marked X do not cover that benefit. The 100% indicated the full benefit is covered. Other percentages only cover the benefit by that amount. For example, some plan K benefits only pay 50%. As a result, you would be responsible to pay the other half.

UnitedHealthcare Medicare Supplement Plans
Click this United Healthcare Medigap Plan Comparison chart to embed or download

UnitedHealthcare Medicare Supplement Plans F and G

UnitedHealthcare plans F, high deductible plan F, and G are the only Medigap plans which pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% excess charge without Medigap F or G. For instance, 15% of medicare-approved price is $400 would result in you paying $60 excess charge. However, if you have UnitedHealthcare Medicare Supplement Plan F or G, you can avoid Part B excess charges.

How to Avoid Medicare Part B Excess Charges

The easiest way to avoid Medicare Part B excess charges is to enroll Medigap plan F or G. Otherwise, you will need to check if your doctor accepts Medicare assignment. The Physician Compare tool shows you whether your doctor accepts Medicare assignment or not.

Shop and Compare Medigap Plan Prices

There are a number of benefits to using a Medicare insurance broker like Senior Healthcare Direct. A huge benefit is you can compare any Medigap plan with over 30 A-rated insurance carrier at Senior Healthcare Direct. This includes insurance brands you know and trust such as UnitedHealthcare, Aetna, Mutual of Omaha, Anthem Blue Cross, and State Farm. For example, you can compare Medigap Plan G prices with multiple carriers and choose the best price to save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

Medigap Plan quote button

Commonly Asked Questions About UnitedHealthcare

Does UnitedHealthcare include SilverSneakers?

No, it does not include Silver Sneakers. However, it does include a gym membership called Renew Active.

Why did UnitedHealthcare drop SilverSneakers?

UnitedHealthcare dropped Silver Sneakers because 90 percent of UCH members who are eligible for SliverSneakers did not use the benefit.

Mutua of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha Medicare Supplement Plans

Mutual of Omaha is a Top Medicare Supplement insurance company and offers the Medigap Plans A, F, High deductible F, G, and N. Specifically, Mutual of Omaha Medicare supplement plans include the following coverage benefits.

Medicare Part A Hospital Coverage

All Mutual of Omaha Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at skilled nursing facility, Original Medicare only pays 80% of your Part A hospital coverage. However, any Mutual of Omaha Medigap plan will pay the remaining 20%. In addition, Mutual of Omaha plans pay for the following hospital services:

  • After the first 20 days in a skilled nursing facility, Mutual of Omaha plans pay $176 coinsurance in 2020 (except plan A) up to 100 days. That’s a $14,080 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Mutual of Omaha plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by Mutual of Omaha plans.

Skilled Nursing Facility care includes Medicare-covered services such as semi-private room (shared with other patients), meals, and medications. In a skilled nursing facility, you can receive physical therapy, occupational therapy, and dietary counseling. When other transportation endangers your health, you can get ambulance transportation to another facility nearby.

Mutual of Omaha Medigap Plans in 2020

MedicareBob aka Robert Bache, owner of Senior Healthcare Direct, goes through all Mutual of Omaha Medigap plans. In the video below, Robert says, “You can only purchase Plan F if you were eligible for Medicare before January 1, 2020”. In other words, anyone newly eligible for Medicare in 2020 can not buy Medigap plan F. Watch the video to find out how much of a discount Mutual of Omaha offers on Plan G and why MedicareBob calls Plan G the greatest value.

Medicare Part A Deductible

Every Mutual of Omaha Medigap plan covers and pays Part A deductible $1408 in 2020 except plan A. In other words, Mutual of Omaha plans F, high deductible F, G, and N all cover Medicare Part A deductible. For example, if you had Mutual of Omaha plan A and became inpatient at Skilled Nursing Facility, you would have to come out-of-pocket $1408 before Medicare pays anything.

Medicare Part B Medical Coverage

All Mutual of Omaha Medigap plans cover Part B coinsurance costs. For example, you get glaucoma test because you are at high risk for glaucoma. As a result, Original Medicare only covers 80%. With any Mutual of Omaha Medigap plan it covers the other 20%. You are at high risk for glaucoma if you have one or more of the following:

Medicare Part B medical coverage glaucoma test
  • Diabetes
  • Family history of glaucoma
  • African American age 50 or older
  • Hispanic age 65 or older

Moreover, for glaucoma tests you pay Medicare Part B deductible $198 in 2020 for all Mutual of Omaha Medigap plans except plan F. Glaucoma causes blindness. Vision loss from glaucoma is not reversible. In other words, there is no medical treatment to reverse glaucoma disease. However, if testing detects glaucoma, your eye doctor can prscribe preventive treatment. Thus, it is important you have regular eye exams.

In addition, Mutual of Omaha Medicare Supplement plans cover and pay for the following medical services:

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

Mutual of Omaha Medicare Supplement Plan F covers and pays the $198 Part B deductible for you. In addition, Medigap Plan N may require Part B copayments for some medical services.

Mutual of Omaha Medicare Supplement Plan N

Mutual of Omaha Medigap Plan N may require you pay Part B copayments in the following cases:

  • Visits to some medical offices may require you to pay up to $20 per visit
  • Emergency room visits when you are not admitted as inpatient may require you to pay up to $50 copayment

What is not covered by Medigap Plan N?

Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020 nor does it cover Part B excess charges. Thus, Mutual of Omaha Medigap Plan N requires you to pay an annual $198 Part B deductible before Mutual of Omaha will cover any medical services.

Compare Mutual of Omaha Medigap Plans

Use the chart below to compare Medigap benefits side by side for all Mutual of Omaha Plans: A, F, High deductible F, G, and N. The spaces marked X do not cover that benefit. Foreign Travel Emergency benefit only covers 80%. As a result, Medicare beneficiaries pay the remaining 20%.

Mutual of Omaha Medicare Supplement benefits chart
Click this Mutual of Omaha Medigap Comparison chart to embed or download

Mutual of Omaha Medicare Supplement Plans F and G

Mutual of Omaha plans F, high deductible F, and G are the only plans which cover and pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% additional charge without Medigap Plan F or G. In other words, if you have Mutual of Omaha Medicare Supplement Plan G or F, you can avoid Part B excess charges.

How to Avoid Medicare Part B Excess Charges

Apart from having Medigap Plan G or F, you can avoid Medicare Part B excess charges by checking if your doctor accepts Medicare assignment. The Physician Compare tool allows you to view which doctors accept Medicare Assignment.

Shop and Compare Medigap Plan Prices

A Medicare insurance broker like Senior Healthcare Direct can shop your Medigap plan with all major insurance carriers in your area so you get the best price. Senior Healthcare Direct can compare Medigap plan prices for whichever plan best suits your needs. For example, we can compare Medigap Plan G prices with insurance brands you know and trust such as Aetna, Mutual of Omaha, Anthem Blue Cross, UnitedHeathcare, and State Farm.When you shop and compare plan prices with multiple carriers you can choose the best price and save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna Medicare Supplement Plans

Aetna is a Top Medicare Supplement insurance company and offers the following Medigap plans: A, B, F, High deductible F, G, and N. Aetna’s Medicare supplement plans include the following benefits no matter which plan you choose.

Medicare Part A Hospital Coverage

All plans include 100% coverage for Medicare Part A coinsurance. For example, if you get admitted as hospital inpatient, Original Medicare Part A only covers 80% of your hospital bills. However, all Aetna Medigap plans will cover the other 20%. In addition, Aetna supplement plans cover and pay the following hospital services:

  • After the first 20 days of skilled nursing, Aetna plans pay $176 coinsurance in 2020 (except plans A and B) up to 100 days. That’s a $14,080 benefit.
  • Between 61 days and 90 days in a Long-Term Care Hospital (LTCH), Aetna plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
  • When a hospital has to buy blood for you, the first 3 pints of blood is covered by Aetna plans.

Long-term Care Hospitals are designed to treat patients for periods longer than 25 days. For example, these hospitals may treat patients on ventilators for an extended period of time or patients with severe wound or head injury. Since LTCH is not a skilled nursing facility, all Aetna Medigap plans cover this benefit.

Aetna Medigap Plans in 2020

Robert Bache, owner of Senior Healthcare Direct, goes through all the Aetna Medigap plans including household discounts which lowers your monthly premiums.

Medicare Part A Hospital Deductible

All Aetna Medigap plans cover and pay Part A deductible $1408 in 2020 except plan A. In other words, Aetna plans B, F, high deductible F, G, and N all cover Medicare Part A deductible. For example, if you had Aetna Medigap plan A and were admitted to the hospital as inpatient, you would have to come out-of-pocket $1408 before Medicare covered any of your hospital bills.

Medicare Part B Medical Coverage

In addition, every Aetna Medigap plan includes 100% coverage for Medicare Part B coinsurance. For example, when you visit a doctor’s office for outpatient service, Original Medicare Part B only covers 80% of your medical bills. With any Aetna Medigap plan it covers the other 20%. In addition, Aetna supplement plans cover and pay for the following medical services:

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

Aetna Medicare supplement plan F covers and pays the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.

Aetna Medicare Supplement Plan N

Aetna Medigap Plan N may require you pay Part B copayments in the following cases:

  • Some medical office visits may require you to pay up to $20 per visit
  • Emergency room visits which do not result in inpatient admission may require up to $50 copayment

Compare Aetna Medigap Plans

You can use the chart below to compare Aetna Medigap Plans A, B, F, G and N. The spaces marked X do not cover that benefit. Foreign Travel Emergency benefits cover 80%. Consequently, the Medicare beneficiary pays the remaining 20% of the Medicare-approved amount.

Aetna Medicare Supplement Plans
Embed or Download Aetna Medigap Plans Infographic

Aetna Medicare Supplement Plans F and G

Aetna Medigap plans F, high deductible F, and G differ from other plans Aetna plans. Only these Aetna Medicare Supplement plans cover and pay Medicare Part B excess charges. Most doctors accept Medicare assignment and submit claims directly to Medicare. In this case, you are billed the Medicare approved amount. These doctors are called participating doctors. However, non-participating doctors can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% additional charge without Medigap Plan F or Plan G. In other words, if you have Aetna Medicare supplement plan G or F, you can avoid Part B excess charges.

However, if you do not have Medigap plans F or G, you can still avoid a Medicare Part B excess charges. You will need to research your doctor by using the Physican Compare tool and check if your doctor accepts Medicare Assignment.

How Does Aetna Prices Compare?

When you shop Medicare Supplement plans with a Medicare insurance broker like Senior Healthcare Direct, we can find you the best prices. We sell Medigap plans from all major insurance carriers such as Aetna, Mutual of Omaha, UnitedHealthcare and Anthem Blue Cross, and State Farm. When you compare prices of Medigap plans with multiple carriers, you can get the best price and save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.

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Top Ten Medicare Supplement Insurance Companies

Top 10 Medicare Supplement Insurance Companies

Top 10 Medicare Supplement Insurance Companies in 2020

medicare supplement insurance companies

Senior Healthcare Direct put together a list of the top 10 Medicare Supplement (Medigap) insurance companies to help you compare and find a Medigap plan with the coverage and benefits you need in 2020. Original Medicare only cover 80% of Part A and Part B. Medicare supplement plans cover the remaining 20%. All Medicare Supplement plans pay your Part A (hospital) coinsurance costs. In addition, most Medigap Plans pay your Part B (medical) coinsurance costs except for plans K and L.

In addition to coinsurance benefits, Medicare Supplement (Medigap) plans pay your Part A and/or Part B deductibles. For example, Medigap plans B, C, D, F, G, and N pay your Part A deductible $1408 in 2020. Furthermore, Medigap plans C and F pay your Part B deductible $198 in 2020. However, if you are newly enrolled in Medicare after January 1, 2020, these Medigap plans C and F will not be available to you. As a great alternative, Senior Healthcare Direct recommends people new to Medicare consider plan G.

Medigap Plans are Standardized for all insurance companies

All Medicare Supplement insurance companies provide the same standardized benefits based on your plan letter. For example, Medigap Plan G benefits are the same for all Medigap insurance carriers. Thus, you can compare Plan G prices among two or more insurance companies and your Medicare benefits will be the same. As a result, most people choose the lowest premium when comparing insurance carriers because they all have the same coverage benefits.

Coverage Differences among Medicare Supplement Insurance Companies

There are two coverage differences between Medigap insurance companies. First, different Medigap Plans are offered by different Medigap companies. For example, Aetna only offers Medigap plans A, B, F, G, and N. However, United Healthcare (AARP) offer the same Medigap Plans plus plans K and L. The second difference is number of State Medigap insurance companies service. For example. Aetna services 42 states and United Healthcare (AARP) services 50 states.

The chart below lists the top Medicare Supplement Insurance Companies including the available Medigap plans and number of states served. You can use this chart to help select the companies who offers the Medigap plan with the coverage and benefits you need in 2020.

Top 10 Medicare Supplement Insurance Companies

The following list of Medigap insurance companies are in no particular order. Some of these Medicare providers may or may not be in your state.

medicare supplement insurance companies

Most Important Difference Between Medicare Providers

The most important difference and the biggest benefit of working with a Medicare insurance broker like Senior Healthcare Direct is price. All Medicare providers listed in our top 10 offer Medigap Plan F. However, each Medicare provider will have a different price for the same Plan F coverage. Thus, a huge benefit of working with Senior Healthcare Direct is you can compare prices of all Medicare carriers in your state for the Medigap plan you want. For example, you may consider the cost savings and great coverage of Medigap Plan G. When we compare Medicare Supplement companies, you may find Manhattan Life has the lowest Plan G price. Senior Healthcare Direct can help you compare Medigap plans and save money. Get your Free Quote.

Aetna in 2020

Aetna is one of the largest insurance providers in the U.S. It was founded 167 years ago in 1853. So if you like a company with a solid history, then Aetna may be a good choice. Medicare was enacted by congress in July 1965 and Aetna paid its first Medicare claim the following year in 1966.

The company has been listed on the New York Stock Exchange (NYSE) since 1968. So you can buy Aetna stock ticker AET and invest in this company. In 2020, Aetna’s financial strength is rated A (excellent) with stable outlook by AM Best. So if you want a financially strong insurance carrier, then Aetna is a great choice.

You can shop Aetna Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct by calling 1-855-368-4717.

aetna logo

Anthem Blue Cross in 2020

Anthem Blue Cross offers an exclusive Sydney Health app to make it easier to find the care your need and manage your benefits. Using the app you can view digital ID cards, check claims and download medical records. So if you want a health insurance provider that uses the latest in technology, then you should consider Anthem Blue Cross. Compared to other insurance carriers on our top ten list, Anthem Blue Cross offers the least geographical coverage area. You can get Anthem Blue Cross in only the following 14 States:

Athem Blue Cross Blue Shield logos
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Indiana
  • Kentucky
  • Maine
  • Missouri
  • Nevada
  • New Hampshire
  • New York
  • Ohio
  • Virginia
  • Wisconsin

Anthem Blue Cross is headquarterd in Indianapolis, Indiana. It is an independent licensee of the Blue Cross and Blue Sheild Association. You can shop Anthem Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct at 1-855-368-4717.

Bankers Fidelity in 2020

You can get customer service and claims support from Bankers Fidelity’s headquarters in Atlanta, GA. Bankers Fidelity’s line of health insurance products include:

  • Medicare Supplement Insurance
  • Short-Term Care Insurance
  • Final Expense Life Insurance
  • Lump-Sum Cancer Insurance
  • Hospital Indemnity Insurance

Since 1955 (for the last 65 years), Bankers Fidelity has supplied individuals and seniors with insurance products and responsive service. Their mission statement: “We sincerely believe that our policyholders deserve the best protection and have made it our mission to provide them with outstanding, customer-focused insurance products, value and service for more than 60 years.” In 2019, AM Best affirmed the financial strength rating of A- (Excellent) of Bankers Fidelity. 

You can shop Bankers Fidelity Medicare Supplement Insurance plans with Senior Healthcare Direct at calling 1-855-368-4717.

Cigna in 2020

cigna logo

Cigna is a global health service company with more than 170 million customer and patient relationships in more than 30 countries and jurisdictions. With a global workforce of more than 74,000 employees, Cigna is dedicated to their mission of being champions of customers and communities each and every day. Cigna is rank #65 on the 2019 Fortune 500 List and has committed $25 million to Cigna Foundation to Healthier Kids for our Future.

This American worldwide health services organization is based in suburban Bloomfield, Connecticut and Philadelphia, Pennsylvania. Cigna is listed on the NYSE under stock ticker CI. It is parent company to Express Scripts, Healthsprings, Inc., and CareAllies, LLC. You can shop Cigna Medicare Supplement plans at Senior Healthcare Direct at 1-855-368-4717.

Humana in 2020

humana logo

Humana was founded in 1961, making it only 59 years old and younger than all seniors on Medicare in 2020. In 2019, Humana ranked 56 on the Fortune 500, with $56.9 billion in revenue. With headquarters in Louisville, Kentucky, Humana operates three business segments: retail, Group, and Healthcare Services.

The retail segment includes HumanaPharmacy.com, where members can get “medicine mailed to the location of your choice.” Humana Group offers employers medical, dental, and vision plans. Moreover, Humana offers Group life, and Medicare plans for retirees. Finally, Humana offers Medicare Advantage, Part D, and Supplement plans. You can shop and save on Humana Medicare Supplement plans at 1-855-368-4717.

Manhattan Life in 2020

Manhattan Life logo

Manhattan Life founded in 1850 by Alonzo Alvord, making it 170 years old. This company is the oldest on our list and three years older than Aetna. Since 2000, David Harris, CEO, took new ownership of Manhattan Life. The company’s headquarters is in Houston, Texas. It is a privately held company, therefore not publicly traded. 

AM Best rates the financial strength of Manhattan Life B+ (Good) in a news article from 2013. However, more recently AM Best’s rates Manhattan Ins Group in the Top 200 U.S. Life/Heath Insurers in 2019. Last year its ranking went up from #119 to #112. 

You can shop Manhattan Life Medicare Supplement Insurance plans with Medicare insurance broker Senior Healthcare Direct by calling 1-855-368-4717.

Mutual of Omaha in 2020

mutual of omaha logo

Mutual of Omaha is a Fortune 500 company based in Omaha, Nebraska. In contrast to Aetna and other stock insurance companies, Mutual of Omaha is a mutual insurance company. The policy holders of Mutual of Omaha own the company in its entirety. As a result, any profits earned by Mutual of Omaha are either retained by the company or paid to you (policy holders) in the form of dividend distributions or reduce future premiums.

However, in 1998 all of the membership interests of Mutual of Omaha Insurance Company was extinguished. Consequently, such members became member of the Mutual Holding Company. After this reorganization, the Mutual Holding Company will not be permitted to pay dividends. For example, you will not receive distributions or payments of income or profits. As a result, you receive no financial benefit from being a Mutual of Omaha policy holder.

On January 24, 2020 Bloomberg reported AM Best financial strength rating is A+ (Superior) and long-term issuer credit rating is aa- for Mutual of Omaha. Thus, if you want a financially strong insurance carrier with a stable credit rating, then Mutual of Omaha is a great choice. You can shop Mutual of Omaha Medicare Supplement plans at Senior Healthcare Direct by calling 1-855-368-4717.

State Farm in 2020

StateFarm logo

Medicare Supplement insurance is available through State Farm Mutual Automobile insurance company founded on June 7, 1922 with headquarters in Bloomington, IL. The company has over 56,000 employees. It is both the largest auto insurance and property and casulty insurance provider in the United States. State Farm is ranked 36th in the 2019 Fortune 500 List.

State Farm offers Medigap Plans in 46 states. However, not all Medicare supplement plans are available in all states. Find out what each State Farm Medicare Supplement plan covers, then shop and save at Senior Healthcare Direct by calling 1-855-368-4717.

UnitedHealthcare in 2020

UnitedHealthcare logo

Unitedhealthcare is the nation’s largest healthcare company in the world by revenue. You most likely heard of UnitedHealthcare. It’s ranked 6th on 2019 Fortune 500. It’s a public company traded on the NYSE under UNH. AM Best financial strength rating is A (Excellent) and long-term credit rating is a- for UnitedHealthcare. So if you like the security of a huge health insurance company with a strong financial rating, then UnitedHealtcare is an excellent choice.

Unitedhealthcare provides health insurance for businesses small and large. Before you retired, you may have had an employer group insurance plan with UnitedHealthcare. You may also have experienced UnitedHealthcare’s innovative, easy-to-use tools to help manage your health plan costs. For example, health care services such as online doctor visits and Care24 gives employee more options for taking care of their health. Thus, if you want to be insured by the largest health insurance company in the United States, then UnitedHealthcare is a great choice.

You can shop UnitedHealthcare Medicare Supplement plans at Senior Healthcare Direct by calling 1-855-368-4717.

Transamerica in 2020

Transamerica logo

A.P. Giannini founded this holding company in 1928. Transamerica is a privately held American holding company for various life insurance companies and investment firms in the United States which offer life and supplemental health insurance, investments, and retirement services. In July 1999, Transamerica CEO Frank C. Herringer announced that Aegon, a Netherlands-based insurer, would acquire it. Aegon is the multinational life insurance, pensions, asset management parent company of Transamerica. 

Transamerica is rated A by AM Best in a report dated November 7, 2019. It offers Medicare Supplement Plans in 50 States. Find out what each Transamerica Medicare Supplement Plan covers, then shop Medigap plans at Senior Healthcare Direct by calling 1-855-368-4717.

Better Customer Service with a Medicare Insurance Broker

How quickly can customer service resolve your issues? When you call a huge insurance provider like UnitedHealthcare, you may be transferred multiple times before you finally speak with someone who can help. However, when you purchase a Medicare Supplement plan thorough a Medicare insurance broker such as Senior Healthcare Direct, any member of our support team can help resolve your issue. When we take your call, you will not be transferred around. A member of our dedicated customer support team can help you fix billing errors, write Medicare appeals, and solve pharmacy exceptions when you can’t get your medications.

Watch the Coffee with MedicareBob video with guest Sue Wagner from our customer support team.

In this video interview with Robert Bache, owner of Senior Healthcare Direct, guest Sue Wagner explains how she “does a three-way call” with a client’s insurance carrier. Our customer support helps prevent you from paying for two Medicare plans at the same time. Thus, we help cancel the old policy with your current provider when you switch to a different provider.

It’s easy to shop and save on Medicare Supplement plans. Click the get quote button below to compare prices of Medicare Supplement companies in your area.

medicare supplement plan quote