There are 12 different Medicare Supplement (Medigap) plans available to most Medicare beneficiaries in 2022. Our easy-to-read Medigap plan comparison chart makes reviewing these plans easier than ever.
The chart below depicts all 12 Medigap plans and what they cover after Original Medicare pays its portion.
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Medicare Supplement Plans Comparison Chart for 2022
Don’t confuse Medigap Plan A and Plan B with Medicare Part A and Part B. Original Medicare includes Medicare Part A, which is inpatient hospital coverage, and Medicare Part B, which covers outpatient physician visits. Medigap Plans A and Plan B are supplemental insurance to cover the costs Original Medicare leaves behind.
No matter which Medigap plan you choose, you can use its coverage at any doctor or hospital nationwide that accepts Original Medicare. A Medicare-accepting doctor can never turn you away because of the carrier you choose for your Medigap plan.
How Much Do Medigap Plans Cost?
When you compare all 12 Medigap plans, you will notice that each has a different average monthly premium and out-of-pocket costs for which the beneficiary is responsible. The following costs are associated with Medigap plans:
- Medicare Part B premium
- Medicare Part A premium (if applicable)
- Medigap plan premium
- Deductible – All Medicare Supplement plans except Medigap Plan C and Plan F
- Copayments – Not applicable on all plans
- Coinsurance – Not applicable on all plans
The cost of Medigap plans varies based on the plan you choose. Some plans require copayments and deductibles, whereas others only require the beneficiary to pay a deductible before coverage kicks in at 100%.
Understanding your out-of-pocket responsibility on each plan is essential before deciding which plan is best for you.
Medigap Plan Limits
The best part about Medigap plans is their lack of provider networks and restrictions. When you enroll in a Medigap plan, you gain the freedom to use your healthcare coverage wherever you see fit.
When you sign up for a Medigap plan, you should also consider the foreign emergency travel benefit that comes with the most popular Medigap plans.
How Many Medigap Plans are Available?
There are 12 Medigap plans, lettered A through N. Each lettered plan covers the core policy benefits and different levels of additional benefits.
When you compare Medigap plans, it is essential to consider what each plan covers and how that aligns with your healthcare needs. Depending on the letter plan, you will receive coverage for out-of-pocket medical costs such as deductibles, copays, coinsurances, and more.
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How to Enroll in Medigap Plans
You can enroll in Medigap plans at any time throughout the year. However, the best time to enroll in a Medicare Supplement plan is during your Initial Enrollment Period.
If you apply during this opportunity, carriers cannot deny you coverage. You will be eligible for any Medigap plan of your choice.
If you miss your Initial Enrollment Period or decide to enroll in a Medicare Supplement plan later in life, you can still do so. Medigap enrollment is available year-round for Medicare beneficiaries. The only stipulation for admission to a policy is the need to answer underwriting health questions in most states.
Medigap Plan Comparison in Massachusetts, Minnesota, and Wisconsin
In 47 of 50 states – plus Washington, D.C. – Medigap plans are standardized using the lettered naming convention described above. However, that is not the case in Massachusetts, Minnesota, and Wisconsin. The Medigap plans in these three states are unique.
Although the plans are only available in their respective state, their benefits are comparable to the most popular Medigap plans. Beneficiaries can use these policies with Medicare-accepting practitioners nationwide, just like the standardized Medicare Supplement plans in other states.
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How to Compare Medicare Medigap Plans for 2022
Comparing Medigap plans is a reasonably simple but critical task when enrolling in coverage. We simplify comparing policies and keeping up with changes regarding Medicare. Our goal is to educate our clients on all there is to know about Medicare and make the best decision for their needs.
Call the number above now to speak to one of our Medicare experts and get your free rate comparison. Or submit an online rate form to see policies in your area.
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Sources:
MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.
- How to Compare Medigap Policies, Medicare. Accessed April 2022.
https://www.medicare.gov/supplements-other-insurance/how-to-compare-medigap-policies - What's Medicare Supplement Insurance, Medicare. Accessed April 2022.
https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap - Medigap, CMS. Accessed April 2022.
https://www.cms.gov/Medicare/Health-Plans/Medigap
I’m on social security disability and pension. I’m very low income I can’t afford the copays and I haven’ seen my doctors because I go often and cannot afford them. I’m soon to be without anything but Medicare and severely depressed due to this. I need help, please can you help me?
Hi Michele! I’m sorry to hear you’re struggling. I will do my best to help! Do you know what parts of Medicare you have? Do you have Part A, Part B, or a Medicare Advantage plan? I’m assuming since you are paying copays, you have a Medicare Advantage plan. If you’re low-income, you could qualify for a Medicare Savings Program & Extra Help. The MSP will cover most if not all of your cost-sharing, like deductibles, coinsurance, etc. Depending on which one you’re eligible for, it could also help you pay your Part B premium.Then Extra Help will cover your prescription costs.