Medicare Supplement Plans Comparison Chart
Federal and State laws make Medicare Supplement Plan comparison easy for you. Medicare law says companies must identify Medigap Plans by letter. For example, Medicare Supplement Plan G. If you were eligible for Medicare before 2020, you can buy any of these ten Medicare Plans: A, B, C, D, F, G, K, L, M, and N.
However, people newly eligible for Medicare in 2021 can only buy one of these eight Medicare Plans: A, B, D, G, K, L, M, and N. In other words, people who enroll in a Medicare Supplement plan for the first time in 2021 will not be allowed to get Plans C or F. The Medigap Comparison Chart shows you all available supplement plans for 2021.
Medigap Comparison Chart
You can use the Medigap Benefits chart below for a side-by-side comparison of Medicare Supplement Plans A – N. Plans with 100% provide full benefit coverage. However, some plans only have partial benefit coverage, such as 80%, 75%, and 50%.
Plans with X do not cover that particular benefit. If you were newly eligible for Medicare starting on or after January 1, 2020, then Plan C and Plan F were not available for you. However, anyone who had Plans C or F in 2020 can continue to buy them.
Compare and Shop Medigap Plans
Use the Medicare Supplement Plans comparison chart above to determine which Medigap plan you want. Then call Senior Healthcare Direct at 1-855-368-4717 to speak with a licensed agent and get your free quote. We will give you price comparisons from top A+ rated companies so you can shop and save on a Medigap plan.
Medicare Plan F
Medigap Plan F has the highest monthly premiums. Some supplement companies may also offer high-deductible plans. According to CMS.gov, the annual high-deductibles for Plan F is $2,370 in 2021. If you feel this deductible is too high, you might consider the more affordable Plan G.
Medicare Plan G
Medicare Plan G has lower monthly premiums than Plan F. Furthermore, Plan G has the same comprehensive coverage as Plan F, with one exception. You pay a $203 Part B deductible once a year. If you want to spend less per year than Plan F, consider getting a quote for Plan G.
New Out-of-Pocket Limits on Plan K and Plan L
Medicare Plan K
Medigap Plan K pays 100% of Part A coinsurance, but only 50% of other benefits. In 2021, the maximum out-of-pocket limit for Plan K has increased by $660. The new Plan K out-of-pocket limit is $6,220.
Medicare Plan L
Medigap Plan L pays 100% of Part A coinsurance, but only 75% of other benefits. Maximum out-of-pocket limits have increased from $2,780 in 2020 to $3,110 in 2021.
Medicare Plan N
Medicare Plan N is the same as Plan G, except for the following:
- Outpatient doctor visits will cost you up to $20 copay
- Emergency room visits, which do not result in an inpatient hospital admission, will cost you up to $50 copay
Deciding which Medicare Supplement plan is best for you might seem complicated. The licensed agents at Senior Healthcare Direct can help.
Foreign Travel Emergency Benefits
Medigap Plans with the most comprehensive coverage, including Plans F, G, and N, have foreign travel emergency benefits. You can also get this benefit with Medicare Supplement Plans C, D, and M. However, Plans A, B, K, and L, do not provide foreign travel emergency benefits.
Medicare may provide foreign travel coverage under certain situations when traveling outside the United States. If you do not meet these particular circumstances, then Medicare will not cover foreign travel.
Discover when you qualify for Medicare foreign travel coverage. Furthermore, learn about all Medigap Plans which cover foreign travel emergency benefits. Moreover, learn about your coverage limitations and the annual deductible amount.
Get Help Choosing Your Medicare Plan?
Senior Healthcare Direct can help you choose the right Medicare Supplement Plan and provide you with rate comparisons from many supplement companies. Our licensed agents can find you a Medigap Plan that fits your needs. Call 1-855-368-4717 to speak with a licensed agent or get your quote by clicking the button.