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, AARP, Anthem Blue Cross, and Cigna. 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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