Medicare Supplement

In general, Medicare Part A helps pay for inpatient care you get in hospitals, critical access hospitals, and skilled nursing facilities.

Plan A The most basic coverage.

• Helps cover hospice care & some home health care
• It covers Part A hospital coinsurance
• Part B outpatient coinsurance (20%)
• Hospice care coinsurance
• Skilled nursing facility care coinsurance
• First 3 pints of blood.

In general, Medicare Part A helps pay for inpatient care you get in hospitals, critical access hospitals, and skilled nursing facilities.

Medically necessary services or supplies that meet accepted standards of medical practice to diagnose, treat medical condition

Plan B helps cover 2 services

• Pays the full deductible amount for inpatient hospital stays.
• Covers extra days in the hospital up to 365 days after your regular Medicare benefits end.
• Covers your 20% outpatient medical coinsurance after you meet the Part B deductible.
• Covers Part A hospice coinsurance or copayments.
• Blood: Pays for the first three pints of blood needed

Covers everything Plan A covers, plus the Part A hospital deductible.

if you became eligible for Medicare before January 1, 2020 this includes who turned 65 before this date or qualified for Medicare due to a disability

Plan C who can still apply

• Covers Part A coinsurance and provides an additional 365 days of coverage after Medicare benefits are exhausted
• Pays the 20% Part B coinsurance for doctor visits and outpatient services
• Covers the first three pints of blood
• Covers copayments and coinsurance for hospice services
• Pays coinsurance for stays in skilled nursing facilities
• Fully covers deductible Part A hospital ($1,736 in 2026) Part B ($283 in 2026)
• emergency healthcare international travel (80% after a $250 deductible, $50,000 lifetime)

this includes who turned 65 before this date or qualified for Medicare due to a disability

Prescription Medications: Both brand-name and generic drugs outlined in your specific plan's tiered drug list (formulary).

Plan D Prescription Drug

• Prescription Medications: Both brand-name and generic drugs
• Protected Classes: HIV/AIDS treatments, antidepressants, antipsychotics, and cancer medications.
• Vaccines: commonly recommended adult vaccines not covered by Part B, such as the shingles or RSV.
• Diabetes Supplies: Injected or inhaled insulin, plus related supplies like needles and gauze

It covers a wide range of brand-name and generic outpatient prescription medications, specific vaccines, and certain diabetes supplies (like insulin and syringes).

Plan F* aren’t available if you turned 65 on or after January 1, 2020, and to some people under age 65.

Plan F * High-Deductible Option

•Part A coinsurance and hospital costs up to an additional 365 days after benefits used.
•Part B coinsurance or copayment, (first 3 pints),
•Part A hospice care coinsurance or copayment, Skilled nursing facility care
•Part A deductible, Part B deductible,
•Part B excess charge, Original Medicare, the amount a doctor, health care provider is legally permitted to charge is higher than the Medicare-approved amount,

You might be able to get these plans if you were eligible for Medicare before January 1, 2020, but not yet enrolled.

Plan G & Plan G* High Deductible

Plan G covers nearly all out-of-pocket costs

• Part A Coinsurance & Hospital Costs: Extra hospital days (up to 365) after your basic Medicare benefits run out.
• Part A Deductible: The full inpatient hospital deductible per benefit period.
• Part B Coinsurance & Copayments: Generally pays 20% left over after Original Medicare pays doctor visits outpatient care.
• Blood: Pays for the first three pints of blood each year.
• Hospice Care & Skilled Nursing Coinsurance or copayments for Part A hospice and skilled nursing facility stays.
•Part B Excess Charges: Pays the difference doctor charges more than the Medicare-approved amount (up to the state-allowed limit).
• Foreign Travel: Covers 80% of Emergency medical care outside U.S.($250 annual deductible, $50K lifetime limit

Foreign Travel Emergencies: Covers 80% of emergency medical care outside the U.S.

A standardized private policy that covers 50% of most out-of-pocket medical cost-sharing

Plan K annual out-of-pocket Cost Sharing

• 100% coverage for 365 extra days after Medicare benefits end.
• Part A Deductible: 50% covered.
• Part B Coinsurance / Copays: 50% covered (preventive care is 100% covered).
• Skilled Nursing Facility Coinsurance: 50% covered.
• Hospice Care Coinsurance: 50% covered.
• Blood: 50% of the first 3 pints covered.

Out-of-Pocket Cap: Once you hit $8,000 in out-of-pocket costs in 2026, the plan pays 100% of approved services for the rest of the calendar year.

Is a cost-sharing policy that covers 75% of most standard out-of-pocket costs

Plan L Core 100% Covered Benefits

• Part A hospital coinsurance: Fully covered.
• Extra hospital days: Covers 365 additional days after Original Medicare benefits are used up.
• Preventive care Part B coinsurance: Covered at 100%
• 75% Cost-Sharing Benefits
• Part A deductible: Plan covers 75%; you pay 25%.
• Skilled nursing facility care coinsurance: Plan covers 75% for days 21 through 100.
• Hospice care coinsurance or copayment: Plan covers 75%.

•Part B coinsurance: Plan covers 75%; you pay the remaining 5% of the 20% approved amount (except preventive care).
•First 3 pints of blood: Plan covers 75%

Medigap Plan M covers most standard out-of-pocket costs

Plan M Includes 100% of Part B coinsurance

• Part A hospital coinsurance and extra hospital costs for up to 365 days after Medicare benefits run out
• 50% of the Part A deductible
• Part A hospice care coinsurance or copayments
• Part B coinsurance or copayments
• Skilled nursing facility care coinsurance
• First 3 pints of blood
• Foreign travel emergency care (80% of approved costs up to plan limits

It covers 50% of the Medicare Part A hospital deductible but leaves the other half of the Part A deductible and the full Part B deductible to you.

Covers skilled nursing facility coinsurance

Plan N covers major out-of-pocket gaps

• Medicare Part A: Hospitalization coinsurance, plus 365 extra days after Medicare benefits end.
• Deductibles: The Part A hospital deductible ($1,736).
• Part B Coinsurance: 100% of doctor and medical coinsurance (except for specific visit copays).
• Other Essentials: First 3 pints of blood, hospice care coinsurance
• 80% of foreign travel emergency care (up to plan limit

However, you must pay small copays ($20 for office visits, $50 for the ER), the annual Part B deductible ($283), and any Part B excess charges

Medigap Benefit	Plan A	Plan B	Plan C	Plan D	Plan F*	Plan G*	Plan K	Plan L	Plan M	Plan N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used	✔	✔	✔	✔	✔	✔	✔	✔	✔	✔
Part B coinsurance or copayment	✔	✔	✔	✔	✔	✔	50.0%	75%	✔	✔ ***
Blood benefit (first 3 pints)	✔	✔	✔	✔	✔	✔	50.0%	75%	✔	✔
Part A hospice care coinsurance or copayment	✔	✔	✔	✔	✔	✔	50.0%	75%	✔	✔
Skilled nursing facility care coinsurance	✔	✔	✔	✔	✔	✔	50.0%	75%	✔	✔
Part A deductible	X	✔	✔	✔	✔	✔	50.0%	75%	50.0%	✔
Part B deductible	X	X	✔	X	✔	X	X	X	X	X
Part B excess charge	X	X	✔	X	✔	✔	X	X	X	X
Foreign travel emergency (up to plan limits)	X	X	80.0%	80.0%	80.0%	80.0%	X	X	80.0%	80.0%
Out-of-pocket limit**	N/A	N/A	N/A	N/A	N/A	N/A	$8,000 in 2026	$4,000 in 2026	N/A	N/A