top of page

Why purchase a Medicare Supplement (Medigap)?

https://www.medicare.gov/find-a-plan/staticpages/learn/more-about-medigap-basic-benefits.aspx#;return%20false;

Copied directly from the Medicare website.

The what you pay assumes you have a Medigap plan:


Medicare Part A Hospital Coinsurance/Deductible

What Medicare Pays

Days 1-60 All but $1364

Days 61-90 All but $341 per day

Days 91-150 (while using your 60 lifetime reserve days) All but $682 per day

Additional 365 Days $0

After the Additional 365 Days $0


What Medigap Pays

Days 1-60 $1364 (Part A Deductible)

Days 61-90 $341 per day

Days 91-150 (while using your 60 lifetime reserve days) $682 per day

Additional 365 Days 100% of Medicare-approved expenses

After the Additional 365 Days $0


What You Pay (for Covered Services)

Days 1-60 $0

Days 61-90 $0

Days 91-150 (while using your 60 lifetime reserve days) $0

Additional 365 Days $0 of Medicare-approved expenses

After the Additional 365 Days All costs


Medicare Part A Skilled Nursing Facility Coinsurance (for Medicare-covered stays)

What Medicare Pays

Days 1-20 100% of approved amounts

Days 21-100 All but $170.50 per day

After 100 Days $0


What Medigap Pays

Days 1-20 $0

Days 21-100 Up to $170.50 per day

After 100 Days $0


What You Pay (for Covered Services)

Days 1-20 $0

Days 21-100 $0

After 100 Days All costs


Medicare Part B Coinsurance or Copayment

What Medicare Pays

First: $0 until you meet $185 Part B deductible *Plans C & F pay Part B deductible Then: Generally 80%


What Medigap Pays:

First: $0 until you meet $185 Part B deductible *Plans C & F pay Part B deductible. Then: Generally 20%


What You Pay (for Covered Services)

First: $185 (Part B deductible) *Plans C & F pay Part B deductible Then:$0


Blood

What Medicare Pays

First 3 pints $0

After 3 pints 100%


What Medigap Pays

First 3 pints 100%

After 3 pints $0


What You Pay (for Covered Services with a Medigap plan)

First 3 pints $0

After 3 pints $0

Basic Benefits for Medigap Plan K

Basic Benefits for Medigap Plan L

Basic Benefits for Medigap Plan M

Basic Benefits for Medigap Plan N

Medicare Part A Hospital Coinsurance/Deductible

What Medicare Pays

Days 1-60 All but $1364

Days 61-90 All but $341 per day

Days 91-150 (while using your 60 lifetime reserve days)All but $682 per day

Additional 365 Days $0

After the Additional 365 Days $0


What Medigap Pays

Days 1-60 $1364 (Part A Deductible)

Days 61-90 $341 per day

Days 91-150 (while using your 60 lifetime reserve days)$682 per day

Additional 365 Days$100% of Medicare-approved expenses

After the Additional 365 Days$0


What You Pay (for Covered Services)

Days 1-60 $0

Days 61-90 $0

Days 91-150 (while using your 60 lifetime reserve days)$0

Additional 365 Days $0 of Medicare-approved expenses

After the Additional 365 Days All costs


Medicare Part A Skilled Nursing Facility Coinsurance (for Medicare-covered stays)

What Medicare Pays

Days 1-20 100% of approved amounts

Days 21-100 All but $170.50 per day

After 100 Days $0


What Medigap Pays

Days 1-20 $0

Days 21-100 Up to $170.50 per day

After 100 Days $0


What You Pay (for Covered Services)

Days 1-20 $0

Days 21-100 $0

After 100 Days All costs


Medicare Part B Coinsurance or Copayment

What Medicare Pays

First: $0 until you meet $185 Medicare Part B deductible Then: Generally 80%

What Medigap Pays

First: $0 until you meet $185 Medicare Part B deductible Then: Generally 20%


What You Pay (for Covered Services)

$185 (Part B Deductible) Up to $20 copay for some doctor’s office visits and an up to $50 copay for ER visits that don’t end in an admission


Blood

What Medicare Pays

First 3 pints $0

After 3 pints 100%


What Medigap Pays

First 3 pints 100%

After 3 pints$0

What You Pay (for Covered Services)

First 3 pints $0

After 3 pints $0

0 views0 comments

Recent Posts

See All

RETIREMENT HOME RETIREMENT HOW TO RETIRE WITH ZERO TAXES? HERE'S WHAT YOU NEED TO KNOW 6 HOURS AGO How Inflation Hits Social Security Benefits Inflation protection offered by Social Security’s cost-o

bottom of page