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by Russell Noga | Updated September 13th, 2023
Do you have Original Medicare Parts A & B? Enroll in a Medigap plan to cover the 20% of out-of-pocket costs not covered by Original Medicare.
There are ten Medigap plans; choosing between them can be challenging if you don’t know how they work.
Our Medicare supplement plans ratings and reviews examine the difference between the plans and who they suit.
What Medicare Part A & B Benefits Do You Get with Medigap Plans?
Medigap plans are available from private healthcare insurers. The federal agency CMS regulates the Part A & B benefits in these plans, ensuring consistency across the industry.
That means you get the same benefits in a Plan G policy with Humana as in a Plan G policy with Mutual of Omaha or any other insurer.
Medigap plans cover the remaining costs of healthcare services not covered by Original Medicare Parts A & B. The plans differ in coverage, with some being more comprehensive than others.
Choosing the right plan for your needs depends on how often you use healthcare services, the emergency coverage you want, and the budget you have available to spend on monthly premiums.
All Medigap plans in 2024 offer the following benefits.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
Plans F*, G, and N offer additional Medicare Parts A & B benefits.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover these charges).
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
*Plan F is the only Medigap plan offering coverage for the Part B deductible. However, it’s unavailable for seniors eligible for Medicare after January 1, 2020.
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Call Our Licensed Agents to Discuss Medicare Supplement Plans
If you need free advice for Medigap experts, call our fully licensed agents at 1-888-891-0229. We’ll give you a free consultation and quote on any Medigap plan you want to join.
If you can’t talk to us right now, leave your details on our contact form, and we’ll connect with you. Or you can use the tool on our site to get a free automated quote on any Medigap plan.
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Find the Right Medicare Plan for You
Finding the ideal Medicare plan doesn’t have to be confusing. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.
Reach out today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.