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Compare Rates for Medicare Supplement Insurance Plans (Medigap Policies)


**The best time to buy a Medigap Policy is during your Medigap Open Enrollment Period. This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B. Some states have additional open enrollment periods including those for people under 65. During this period, an insurance company can’t use medical underwriting.

CMS - CHOOSING A MEDIGAP POLICY

This means the insurance company Cannot do any of the following because of your health problems:

Refuse to sell you any Medigap policy it offers

Charge you more for a Medigap policy than they charge someone with no health problems

View the OFFICIAL GOVERNMENT GUIDE
"Choosing a Medigap Policy"



We strive to provide the best information possible to meet your needs in choosing the Medicare Supplement Insurance Policy that best suits you and your loved one.




 Medigap Benefits  Medigap Policy
 A  B  C  D  F*  G  K  L  M  N
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up  X  X  X  X  X  X  X  X  X  X
Medicare Part B Coinsurance or Co-payment  X  X  X  X  X  X 50%
75%
 X  X***
Blood (First 3 Pints)  X  X  X  X  X  X 50%
75%
 X  X
Part A Hospice Care Coinsurance or Co-payment  X  X  X  X  X  X 50%
75%
 X  X
Skilled Nursing Facility Care Coinsurance

 X  X  X  X 50%
75%
 X  X
Medicare Part A Deductible
 X  X  X  X  X 50%
75%
50%
 X
Medicare Part B Deductible

 X
 X




Medicare Part B Excess Charges



 X  X



Foreign Travel Emergency (Up to Plan Limits)

 X  X  X  X

 X  X

 Out-of-Pocket Limit** (2014)
 $4,940  $2,470


*Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount of $2,140 in 2014 before your policy pays anything.

**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($147 in 2014), the Medigap plan pays 100% of covered services for the rest of the calendar year.


***Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.


If an "X" appears in a column of this chart, the Medigap policy covers 100% of the described benefit. If a row lists a percentage, the policy covers that percentage of the described benefit. If a row is blank, the policy doesn’t cover that benefit. Note: The Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible).

 Information Source (CMS)
Download 2014 Official Government Guide "Choosing a Medigap Policy":