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 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.

  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)
Medicare Part B coinsurance
or copayment
50%
75%

(copays apply3)
Blood (first three pints)
50%
75%
Part A hospice care
coinsurance or copayment
50%
75%
Skilled Nursing Facility Coinsurance
50%
75%
Medicare Part A Deductible
50%
75%
50%
Medicare Part B Deductible
   
Medicare Part B excess charges
Foreign travel emergency
(up to plan limits)
   
Out-of-Pocket limit in 20202
     
$5,8802
$2,9402
       


*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 $2,340 in 2020 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 plans F and G count 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 designated Medicare Supplement policies also be available to people under age 65 who are eligible for Medicare due to disability. Policy benefits are identical for people over or under age 65.