What are Medicare Supplements?

Discover how Medigap plans can save you money by covering what Medicare doesn’t. We cover it all for you.

Medicare Supplements explained

Medicare Supplements, also called Medigap plans, are policies sold by private insurance companies to help cover the costs that Medicare leaves behind. Think of them as an additional layer of insurance, with Original Medicare (Parts A and B) acting as your primary coverage.

When you have a Medicare Supplement plan, Medicare pays first on your medical bills, covering the approved amounts. Your Medigap plan then steps in to pay for some or all of the remaining costs. The extent of coverage depends on the specific Medigap plan you have.

What are the 10 Medigap plans?

The ten Medigap plans are labeled with letters: Plans A, B, C, D, F, G, K, L, M, and N. Additionally, Plans F and G have high-deductible versions, often referred to as High-F or High-G.

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How much will I save with a Medicare Supplement Plan?

Medigap plans provide predictable coverage and out-of-pocket costs, which is beneficial for budgeting in retirement. They can significantly reduce the financial burden by covering costs that Original Medicare doesn’t.

To understand potential savings, consider the costs under Parts A and B. Securing a Medigap plan early is wise because health changes can affect eligibility later on. Bobby Brock Insurance can help you navigate your options, providing expert guidance to ensure you find the coverage you need without the stress of managing it alone.

This applies to each benefit period (starting the day of admission and ending after 60 consecutive days out of the hospital). In 2023, the Part A deductible is $1,600. Most Medigap plans cover this deductible.

While Medicare covers the first 60 days of hospitalization, significant costs arise after that. Coverage maxes out after 90 days.

For 2023, this is $226 annually. After meeting this, you’re responsible for a 20% coinsurance for covered services. There’s no cap on out-of-pocket spending, meaning 20% of a major surgery could be financially overwhelming.

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