The chart below illustrates the benefits included in each of the Modernized Medicare supplement plans. 
Every company must make available Plan "A". 
Some plans may not be available in your state. PLANS E, H, I, AND J ARE NO LONGER AVAILABLE FOR SALE 

BASIC BENEFITS: 
Hospitalization:
Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. 

Medical Expenses:
Part B coinsurance (generally 20% of Medicare-approved expenses) or co-payments for hospital outpatient services. 
Plans K, L and N require insureds to pay a portion of Part B coinsurance or co-payments. 

Blood:
First three pints of blood each year. 

Hospice:
Part A coinsurance

Medicare Supplement

A Medicare Supplement…(also known as Medigap) is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage.  Medicare Supplement policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medicare Supplement policy, then Medicare and your Medicare Supplement (Medigap) policy will pay both their shares of covered health care costs.

Guidance * Information * No Obligation Quotes

Medicare Supplement Chart / Plans A - N

 877-288-9568

Information Based On 2021 Figures  
* Plan F and G also have an option called a High Deductible Plan F and G.  These high deductible plan pay the same benefits as plan F and G after one has paid a calendar year $2340 deductible.  Benefits from high deductible plan F and G will not begin until out of pocket expenses exceed $2340.  Out of pocket expenses for this deductible are expenses that would ordinarily be paid by the policy.  These expenses include the Medicare Deductibles for Part A and Part B, but do not include the plans separate foreign travel emergency deductible 


SEE AN OUTLINE OF COVERAGE FOR COMPLETE DETAILS

** Plans K and L  include different cost sharing for items and services than the other Medicare Supplement Plans.  With either of these plans, once you reach your annual out of pocket limit, the plan will then pay 100% of the Medicare co-payment, coinsurance and deductibles for the remainder of the calendar year.  The out of pocket limit does not include charges for any provider that exceeds Medicare approved amounts, commonly know as excess charges.  

The annual out of pocket limits for these plans in 2021 are:
$6220 for Plan K
$3110 for Plan L 

SEE AN OUTLINE OF COVERAGE FOR COMPLETE DETAILS

*** Plans M and N use cost sharing features known as coinsurance in an effort to offer options to help reduce plan premiums.   These plans are popular with:
*Those who have either participated in a Medicare Advantage plan (where cost sharing is common) but are now returning to Original Medicare.
*Those coming from group coverage who are accustomed to cost share plans.
Note - Plan M requires that you pay 50% of the initial Part A Deductible ($742) but not daily co-pays beyond day 60.  Plans M and N require that you pay the Part B Deductible ($203).  You are then subject to co-pays of up to but not more than $20 per office visit and up to but not more than $50 for E.R. visits.  

SEE AN OUTLINE OF COVERAGE FOR COMPLETE DETAILS

Part D Annual Enrollment Period... October 15th thru December 7th

FINAL EXPENSE

Protection When Your Family Needs It Most