Manage your out-of-pocket costs with Medicare Supplement insurance.
What is Medicare Supplement insurance?
Medicare Supplement insurance, also known as Med-Supp or Medigap, was created by the federal government and is regulated by state Insurance Departments. It is offered by private insurance companies to cover some of the out-of-pocket costs not covered by Original Medicare.
Why do I need a Medicare Supplement insurance policy?
Medicare Supplement insurance policies are purchased to help provide extra insurance coverage in addition to Medicare Part A (Hospital) and Part B (Medicare). Original Medicare covers some of the healthcare costs, but not all.
Scroll/drag to the right for more plan options ›
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Plans Available to All Applicants |
Medicare First Eligible Before
2020 Only |
| Benefits |
A* |
B* |
D* |
G*1 |
K* |
L* |
M |
N* |
C* |
F*1 |
Medicare Part A coinsurance
and hospital coverage
(up to an additional 365 days
after Medicare benefits are used up) |
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Medicare Part B coinsurance
or copayment |
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50% |
75% |
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(copays apply3) |
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| Blood (first three pints) |
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50% |
75% |
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Part A hospice care coinsurance
or copayment |
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50% |
75% |
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Skilled Nursing
Facility Coinsurance |
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50% |
75% |
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| Medicare Part A Deductible |
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50% |
75% |
50% |
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| Medicare Part B Deductible |
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| Medicare Part B excess charges |
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Foreign travel emergency
(up to plan limits) |
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Out-of-Pocket limit
in 20222 |
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[$6,620]2 |
[$3,310]2 |
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*Denotes plan available from United American Insurance Company. Plan availability varies by state.
Only applicants first eligible for Medicare before 2020 may purchase Plans C, F, and high deductible F.
Note: a checkmark means 100% of the benefit is paid.
1 Plans F and G also have a high deductible option which requires first paying a plan deductible of [$2,490] in 2022 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% of covered services for the rest of the calendar year. High deductible plan G does not cover the Medicare Part B deductible. However, high deductible plan G counts your payment of the Medicare Part B deductible toward meeting the plan deductible.
2 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.
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 a $50 copayment for emergency room visits that do not result in an inpatient admission.
Some states require insurers to offer certain Medicare Supplement plans to eligible Medicare beneficiaries who are under age 65. For those specific plans, policy benefits will be identical regardless of age.