Medicare Supplementary Insurance

Medigap or Medicare Supplement Plans have been created to supplement Original Medicare by addressing the areas where coverage is inadequate. Although private insurance plans and fees are charged, they are regulated by the government and must therefore follow strict guidelines regarding coverage. Although you may already have Medicare, Medigap is a guaranteed right only for people over the age of 65, within six months of registering with Medicare Part B. However, insurers in 27 states currently require Medigap policies to those under the age of 65.

How Many Medicare Supplement Plans Are There? And how is each one unique?

Medicare supplement plans, also known as Medigap plans, are standardized in most of the United States, but there are some exceptions. Each of the ten plans is referred with a letter: A, B, C, D, F, G, K, L, M and N. Although these plans are offered through private insurance companies, all plan types of the same letter must offer the same basic services regardless of location.

For this reason, most, if not all, Medicare Supplement Plan’s statements contain a handy table that lists these benefits:

Plan A and B

The two most basic Medigap plans are Plan A and B. As mentioned above, they provide 100% coverage of Medicare Part A clinic costs and coinsurance, the first 3 pints of blood, Part-B co insurance or copayments, Part A hospice care or co payments. The only difference between Plans A and B is that Plan B also covers the deductible of Medicare Part A.

Plan C and Plan D:

Both Plan C and D complement plan B coverage by providing nursing care insurance and helping up to 80% of all overseas travel. The only real disparity between these plans is that Plan C also covers the full deductible of Part B.

Plan F

This is one of the most popular health plans in Medicare Supplement Insurance due to the comprehensive coverage of certain healthcare expenses. These include deductibles for Medicare parts A & B, co insurance for both parts A & B and Part A’s Hospice co insurance, the insured long-term care insurance, the first 3 pints of blood used in a procedure, care insurance, and the travel coverage outside the United States United States.

Plan G and other plans are found at

This plan has all the benefits of Plan F, except for deductible of Part B.

Plan K & Plan L

The coverage of these plans is among the least comprehensive in the group. They provide only 100% coverage for hospital expenses and Medicare Part A insurance, and different percentages ( the Plan L covers more than plan  K) for Medicare Part B co-insurance or co-payments, the first three liters of blood, Part A hospice care or co payments, trained care insurance, co-insurance and part A deductible. There are also limits under which Medigap pays 100% of the covered services for the remainder of the year.

Plan M & Plan N

The last two plans cover different percentages of benefits, with N being somewhat more comprehensive than M.

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