Standard Medigap Plans

BENEFITS A B C4 D F14 G1 K5 L5 M N

Part A Coinsurance Hospital Costs 2

Part B Coinsurance or Co-Pay
50% 75%
3

Blood (First 3 Pints)
50% 75%

Part A Hospice Care Coinsurance or Co-Pay
50% 75%

Skilled Nursing Facility Coinsurance

 - -
50% 75%

Part A Deductible

 -
50% 75% 50%

Part B Deductible

 - -
-
- - - - -

Part B Excess Charges

 - - - -
- - - -

Foreign Travel Emergency (Up to Plan Limit)

 - -

Preventive Care Part B Coinsurance
  1. Plans F & G offer high-deductible plans, where the insured pays for Medicare-covered costs until deductible is met before plan pays anything.
  2. Medicare Part A Coinsurance hospital costs up to an additional 365 days after Medicare benefits are used up.
  3. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
  4. Plan F, High Deductible Plan F & Plan C are ONLY available to those who were considered Medicare-eligible prior to 2020.
  5. After Part B deductible and out-of-pocket limit (Plan K: $6,220 and Plan L: $3,110) are met, pays 100% of covered services for the rest of the year.

Differences in Medigap Premiums

Attained Age

Attained Age premiums are based off age. Premium increases with age. This may be the least expensive option when enrolling, but could end up being the most expensive. Additionally, premiums can increase due other factors, like inflation.

Issue Age

Issue Age premiums are based off of your age when the policy is issued. Premiums are lower for younger individuals and do not increase as with age. However, premiums can still increase over time due to external influences, such as inflation.

Community Rated

Community Rated premiums are generally the same for all persons with the policy. The premium is not influenced by age or gender. However, the premium can still increase for everyone due to external factors, such as inflation.

Supplement: Standard Plans