Medicare Supplement Plans Vary by State
Medigap coverage—also known as Medicare Supplement Plans—helps cover gaps in coverage from Medicare Part A and B. While Medigap cost by state does not vary, the difference between one plan and another can. In just minutes, we can help you compare coverage and rates to make sure you have the plan that’s right for you and your healthcare needs. Explore your options for Medicare Supplement insurance with Health Plan Solution today.
Does Medigap coverage vary by state?
No, Medigap coverage does not vary by state and neither does Medigap cost. That being said, the coverage and cost from one one Medicare Supplement Plan to the next can vary in both coverage and cost. Each of the eight Medigap plans provides a different level of benefits, but all plans are required to cover basic benefits such as:
- Medicare Part A coinsurance costs up to an additional 365 days after Medicare benefits are exhausted
- Medicare Part B hospice care coinsurance and copayments
- Medicare Part B coinsurance or copayments
- First three pints of blood used in a medical procedure
Medigap Plan Costs by State
Medicare Supplement Plan A
The most basic type of Medicare Supplement Insurance, Plan A is a good plan for those who don’t wish to pay costly premiums for benefits they might never use. Medicare Supplement Plan A includes hospital expenses, medical expenses, transfusions, and hospice care.
Medicare Supplement Plan B
Medicare Supplement Plan B is a good choice of coverage to consider if you’re in good health and don’t foresee needing additional healthcare or hospitalization in the coming year. It has many of the same features as Medicare Supplement Plan A plus additional hospitalization coverage and it covers your Original Medicare Part A deductible.
Medicare Supplement Plan C
Medicare Supplement Plan Part C includes some of the most comprehensive Medicare coverage available among Medigap plans. Plan C includes all the benefits of Medicare Supplement Plans A & B plus coverage for skilled nursing, your Original Medicare Part B deductible, and medical emergency expense assistance when traveling outside of the country.
Medicare Supplement Plan D
Considered the “middle ground” plan, Medigap Plan D offers more coverage than Medigap Plan A and Medigap Plan B, but not as much as C & F. Medicare Supplement Plan D doesn’t cover your Original Medicare Part B deductible, nor does it cover Part B excess charges. It does, however, cover hospital expenses, medical expenses, transfusions, hospice care, skilled nursing, some foreign travel medical emergencies, and additional hospitalization expenses.
Medicare Supplement Plan F
Medicare Supplement Plan F has one of the highest levels of coverage among the standardized Medigap plans available. With Medigap Plan F, you can expect to have zero out-of-pocket expenses when utilizing Original Medicare Part A and B. That being said, you will have to pay your Medicare Part B premiums each month and you may owe a premium for Part A. Medigap Plan F covers hospital expenses, medical expenses, transfusions, hospice care, skilled nursing, Part B deductible, foreign travel medical emergencies, excess charges, and preventative care.
Medicare Supplement Plan G
Medicare Supplement Plan G has the highest level of coverage among the Medigap plans. With Plan G, you can expect to pay for very few, if any, out-of-pocket Original Medicare expenses. The only out-of-pocket expense you can expect to pay is the Original Medicare Part B deductible.
Medicare Supplement Plan K
Medicare Supplement Plan K has lower premiums because it covers less healthcare expenses. While the percentage of coverage is lower compared to other Medigap Plans, you’ll notice lower premium costs. Medigap Plan K is a smart choice if you’re looking for a lower premium, but still want moderate coverage for a wide variety of medical services. This is also a good option for those with chronic health conditions who require a lot of ongoing medical care.
Medicare Supplement Plan L
Medicare Supplement Plan L covers 75% of healthcare expenses, comes with a low monthly premium, and includes a helpful out-of-pocket limit on Original Medicare-covered costs. Medigap Plan L is a strong choice if you’re looking for a lower premium and lower out-of-pocket costs that you have to pay before your plan pays 100% of your hospital expenses. This plan can be beneficial in the case of unexpected medical emergencies or those with chronic conditions.
Medicare Supplement Plan M
Medicare Supplement Plan M is sometimes referred to as the “shared deductible plan” and is one of the most popular supplement plans because it often has low monthly premiums with a decent amount of coverage. Medigap Plan M covers 50% of your Original Medicare Part A deductible.
Medicare Supplement Plan N
Medicare Supplement Plan N is known to have a broad range of coverage at an affordable price, filling majority of the coverage gaps left by Original Medicare. The only gaps not covered are the Medicare Part B deductible and any excess charges that fall under Medicare Part B. What sets Medicare Supplement Plan Part N apart from the other Medigap Plans is that it requires copays for some services.
Medicare Supplement Insurance Plans are standardized plans available in most states, however, Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans.
State Specific Enrollment for Medicare Supplement Plans
California Medigap Rules
The California birthday rule allows you to change Medigap policies within a 60-day window. The birthday rule begins 30 days before and 30 days after your birthday each year.
Connecticut Medigap Rules
Connecticut is a guaranteed year-round state, meaning you can make a change to your Connecticut Medicare Supplement Plan at any time during the year.
Oregon Medigap Rules
The Medicare Supplement birthday rule is also applicable to Medigap Plans in Oregon.
Maine Medigap Rules
Residents of Maine have an extension on the standard Medicare Advantage “trial right,” which is that you only have one year to switch to a supplement plan when you try an advantage plan. In Maine, you can test out a Medicare Advantage Plan for three years and then you have 90 days after dropping the policy to switch to a Medicare Supplement Plan in Maine with Guaranteed Issue rights.
Vermont Medigap Rules
You can enroll in a Vermont Medicare Supplement Plan without underwriting any time throughout the year.
Compare Medicare Advantage Plans Near Me
Insurance isn’t easy, but at Health Plan Solution, we’ll do the leg work for you. In just minutes, we can shop Medicare Supplement Plans from some of the most trusted insurance companies at no cost to you. There’s never an obligation to enroll. Compare Medigap Plans for free with Health Plan Solution today.
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