Medicare Supplement Comparison

Medicare is generally a comprehensive insurance plan, but there are a few costs you are expected to pay out-of-pocket. Medicare Supplement Plans are one way to decrease out-of-pocket Medicare expenses. These policies, also called Medigap policies, are sold by private insurers.

While all plans are standardized, expected to cover the same benefits as the next carrier who offers a Medigap plan, the coverage does differ among each plan.

View our comparison below.

Coverage Comparison

Medicare Part A Coinsurance and Hospital Costs

  • Plan A – 100%
  • Plan B – 100%
  • Plan C – 100%
  • Plan D – 100%
  • Plan F – 100%
  • Plan G – 100%
  • Plan K – 100%
  • Plan L – 100%
  • Plan M – 100%
  • Plan N – 100%

 

Medicare Part B Coinsurance or Copayment 

  • Plan A – 100%
  • Plan B – 100%
  • Plan C – 100%
  • Plan D – 100%
  • Plan F – 100%
  • Plan G – 100%
  • Plan K – 50%
  • Plan L – 75%
  • Plan M – 100%
  • Plan N – 100%

 

First 3 Units of Blood

  • Plan A – 100%
  • Plan B – 100%
  • Plan C – 100%
  • Plan D – 100%
  • Plan F – 100%
  • Plan G – 100%
  • Plan K – 50%
  • Plan L – 75%
  • Plan M – 100%
  • Plan N – 100%

 

Skilled Nursing Facility Care Coinsurance

  • Plan C – 100%
  • Plan D – 100%
  • Plan F – 100%
  • Plan G – 100%
  • Plan K – 50%
  • Plan L – 75%
  • Plan M – 100%
  • Plan N – 100%

 

Part A Deductible

  • Plan B – 100%
  • Plan C – 100%
  • Plan D – 100%
  • Plan F – 100%
  • Plan G – 100%
  • Plan K – 50%
  • Plan L – 75%
  • Plan M – 50%
  • Plan N – 100%

 

Part B Deductible

  • Plan C – 100%
  • Plan F – 100%

 

Part B Excess Charges

  • Plan F – 100%
  • Plan G – 100%

 

Foreign Travel Emergency

  • Plan C – 80%
  • Plan D – 80%
  • Plan F – 80%
  • Plan G – 80%
  • Plan M – 80%
  • Plan N – 80%

 

Out of Pocket Limit (2021)

  • Plan K – $6,220
  • Plan L – $3,110
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Important Factors to Consider

Plans F and C are not available to Medicare beneficiaries who were not eligible for Medicare before 2020.

Plans F and G have high deductible options.

With Plan N, you must pay a copayment of up to $20 for office visits and up to $50 for emergency room visits that do not result in an inpatient admission.

Medicare Supplement Plans can significantly decrease your out-of-pocket costs, but they can also be confusing. For all of your Medicare questions and concerns, please contact us at Proinsurance Hawaii.