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What Is Original Medicare?What Does Medicare Part A & B Cost?
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What Are Medicare Supplement Insurance Policies?Compare Medicare Supplement Plans Side By SideAnnual Rate Review Service

THE MOST POPULAR PLANS

This first chart shows the most popular plans and how they coordinate with Original Medicare. The first column on the left identifies the different parts of Original Medicare as well as the deductibles and coinsurance. The second column tells what Medicare pays and doesn’t pay in reference to their deductibles and coinsurance. The third, fourth and fifth column tell what these Medicare Supplement Plans pay on your behalf regarding those deductibles and coinsurance.

 

Medicare Part A Hospital Insurance Medicare Pays Plan F Pays Plan G Pays Plan N Pays
Deductible Nothing $1,600 $1,600 $1,600
First 60 Days 100%      
Coinsurance 61-90 Days All but $400 a day $400 a day $400 a day $400 a day
Coinsurance 91-150 Days All but $800 a day $800 a day $800 a day $800 a day
Extended Hospital Coverage (up to an additional 365 Days in your lifetime) Nothing Eligible Expenses Eligible Expenses Eligible Expenses
Benefit for Blood All but three pints Three pints Three pints Three pints

Skilled Nursing    

Facility Care         

Medicare Part A Hospital Insurance Medicare Pays Plan F Pays Plan G Pays Plan N Pays
First 20 days 100%      
Coinsurance 21-100 days All but $200 a day Up to $200 a day Up to $200 a day Up to $200 a day

Hospice Care        

Medicare Part A Hospital Insurance Medicare Pays Plan F Pays Plan G Pays Plan N Pays
Outpatient Prescription Drugs All but very limited copay Medicare copay Medicare copay Medicare copay
Inpatient Respite Care All but very limited copay Medicare copay Medicare copay Medicare copay
 

Medicare Part   B Medical          Insurance

Medicare Pays Plan F Pays Plan G Pays Plan N Pays
Deductible Nothing $226    
Coinsurance 80% Generally 20% Generally 20% Generally 20%**
Excess Benefits   100% up to Medicare’s limit 100% up to Medicare’s limit  
Benefit for Blood All but three pints Three pints Three pints Three pints
Additional Benefit
Medicare Part A Hospital Insurance Medicare Pays Plan F Pays Plan G Pays Plan N Pays
Emergency Care Received Outside the U.S. Nothing Generally 80% of lifetime max of $50,000 Generally 80% of lifetime max of $50,000 Generally 80% of lifetime max of $50,000
*PLAN F IS GOING AWAY ON JANUARY 1, 2020 FOR NEW MEDICARE BENEFICIARIES ONLY. INDUSTRY WIDE, MORE AND MORE MEDICARE BENEFICIARIES ARE MOVING OVER TO PLAN G. THE ANNUAL SAVINGS AS IT COMPARES TO PLAN F TO BE ON PLAN G IS BETWEEN $350-700 OR MORE FOR MOST INSURANCE COMPANIES SELLING BOTH.
**PLAN N REQUIRES UP TO A $20 COPAYMENT FOR SOME OFFICE VISITS AND UP TO A $50 COPAYMENT FOR EMERGENCY ROOM VISITS.

MEDICARE SUPPLEMENT INSURANCE (MEDIGAP) PLANS

This chart shows the basic information about the different benefits that Medigap policies cover for 2023. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you are responsibile for the rest.

Benefits 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) 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100% ***
Blood (first 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Part A hospice care coinsurance or copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled nursing facility care coinsurance     100% 100% 100% 100% 50% 75% 100% 100%
Part A deductible   100% 100% 100% 100% 100% 50% 75% 50% 100%
Part B deductible     100%   100%          
Part B excess charges         100% 100%        
Foreign travel emergency (up to plan limits)     80% 80% 80% 80%     80% 80%
Out-of-pocket limit in 2022**             $6,940 $3,470    

 

*Plan F is also offered as a high-deductible plan by some insurance companies 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 $2,700 in 2023 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 ($226 in 2023), 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.

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Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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