Compare Medicare Supplement Plans
| A | B | C | D | E | F | G | H | I | J |
This area of the Medigap360.com Learning Center will provide information on specific standardized Medicare Supplemental Insurance Plans that are available in most states. If you live in MA, WI or MN please see the your specific state page to find your state specific Medicare Supplemental information.
Below is a side by side comparison of Medicare Supplemental plans A-J. Use the links below for specific information on these specific and recommended plans.
The most recommended Medicare Supplement Plans are F and J.
Basic Information on Each Medicare Supplement Plan
| Plan A |
Plan B |
Plan C |
Plan D |
Plan E |
Plan F* |
Plan G |
Plan H |
Plan I |
Plan J* |
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| Part A Deductible |
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| Skilled
Nursing Coinsurance |
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| Part B Deductible |
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| Part B Excess< |
100% | 80% | 100% | 100% | ||||||
| Foreign
Travel Emergency |
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| At Home Recovery | |
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| Preventive Care |
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Basic Benefits for Plans K and L include similar services as Plans A-J, but cost-sharing for the basic benefits is at different levels.
| Plan K |
Plan L |
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| Basic Benefits |
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| Part A Deductible |
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Nursing Coinsurance |
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| Foreign
Travel Emergency |
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| At Home Recovery |
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| Preventive Care |
| A-J | K** | L** |
| Basic Benefits | 100% of Part A Hospitalization Coinsurance plus coverage for 365 days after Medicare Benefits End | 100% of Part A Hospitalization Coinsurance plus coverage for 365 days after Medicare Benefits End |
| 50% Hospice cost-sharing | 75% Hospice cost-sharing | |
| 50 % of Medicare-eligible expenses for the first three pints of blood | 75% of Medicare-eligible expenses for the first three pints of blood | |
| 50% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services | 75% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services | |
| Skilled Nursing | 50% Skilled Nursing Facility Coinsurance | 75% Skilled Nursing Facility Coinsurance |
| Part A Deductible | 50% Part A Deductible | 75% Part A Deductible |
| Part B Deductible | ||
| Part B Excess (100%) | ||
| Foreign Travel Emergency | ||
| At-Home Recover | ||
| Preventive Care NOT covered by Medicare | ||
| $4440 Out of Pocket Annual Limit*** | $2220 Out of Pocket Annual Limit*** |
- States may allow only some of the twelve standard benefit plans.
- States may approve innovative additional benefit plans under certain circumstances.
- These standard benefit plans do not apply to policies sold in MA, MN and WI.
- Availability of plans varies from company to company.
- Beneficiaries must keep good records of prescription drug expenses as they must file the claims themselves.
*Plans F,J,K and L also have an option called a high deductible option. These high deductible plans pay the same benefits as Plans F and J after you pay a calendar year $1790 deductible. Benefits from high deductible Plans F and J will not begin until out-of-pocket expenses total $1790. Out-of-pocket expenses for this deductible are expenses that would normally be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B. These expenses do not include the prescription drug deductible of $250 in Plan J. They also do not include the $250 foreign travel emergency deductible in Plan F and Plan J.
** Plans K and L provide for different cost-sharing for items and services than Plans A-J. Once your reach the annual limit, the plans pays 100% of the Medicare co-payments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called "Excess Charges". You will be responsible for paying excess charges.
*** The out-of-pocket annual limit will increase each year for inflation.