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Medicare Plans

Medicare plans (also known as Medigap Plans) are private health insurance plans designed to supplement Original Medicare. They help pay some of the health care costs (gaps) that Original Medicare does not cover. The "standardized" Medicare Plans are summarized below.

All Medicare Supplement Plans must cover:

  • Medicare Part A Coinsurance hospital costs up to an additional 365 days after Medicare benefits are used up
  • Medicare Part B Coinsurance or Copayment
  • Blood (First 3 Pints)

    • Medicare Plan A covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plan B covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Medicare Part A Deductible
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plan C covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Care Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Foreign Travel Emergency (Up to Plan Limits)
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plan D covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Care Coinsurance
  • Medicare Part A Deductible
  • Foreign Travel Emergency (Up to Plan Limits)
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plan F covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Care Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Medicare Part B Excess Charges
  • Foreign Travel Emergency (Up to Plan Limits)
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plan G covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Care Coinsurance
  • Medicare Part A Deductible
  • Medicare Part B Excess Charges
  • Foreign Travel Emergency (Up to Plan Limits)
  • Medicare Preventive Care Part B Coinsurance

    • * Medicare Plan K covers:

  • 50% of Part A Hospice Care Coinsurance or Copayment
  • 50% of Skilled Nursing Facility Care Coinsurance
  • 50% of Medicare Part A Deductible
  • Medicare Preventive Care Part B Coinsurance

    • * Medicare Plan L covers:

  • 75% of Part A Hospice Care Coinsurance or Copayment
  • 75% of Skilled Nursing Facility Care Coinsurance
  • 75% of Medicare Part A Deductible
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plan M covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Care Coinsurance
  • 50% of Medicare Part A Deductible
  • Medicare Preventive Care Part B Coinsurance

    • ** Medicare Plan N covers:

  • Part A Hospice Care Coinsurance or Copayment
  • Skilled Nursing Facility Care Coinsurance
  • Medicare Part A Deductible
  • Medicare Preventive Care Part B Coinsurance

    • Medicare Plans: What do I choose?

    The chart information is a brief summary of benefits of each of the Medicare Plans.

    Not shown is a High Deductible Plan F. This means that you must pay for Medicare-covered costs up to the deductible amount $2,070 in 2012 before your Medigap plan pays anything.

    Note: The Medigap policy covers Co-insurance only after you have paid the deductible (unless the Medigap policy also covers the deductible).

    * After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year. Plan K Out-of-Pocket Limit is $4,660.00. Plan L Out-of-Pocket Limit is $2,330.00. Out-of-pocket limit is the maximum amount you would pay for Co-insurance and Co-payments in a calendar year.

    ** Plan N pays 100% of the Part B Co-insurance except up to $20 Co-payment for office visits and up to $50 for emergency department visits.


    Medicare Plans: How much will this cost?

    Medicare supplement insurance can help greatly in lowering your out of pocket medical expenses. It is important to remember that each plan is different, with different levels of coverage and different levels of coinsurance, copayments, deductibles and premiums.

    You could end up with a plan that is not at all cost effective. There are multiple factors that will eventually determine how much Medicare supplement insurance will cost you.

    That is why the Medicare Genie was designed, the Genie is your personal guide in helping you traverse the road of options available to you, and will simplify your decision-making process. The amount of coverage you get, along with the specific plan type will determine the amount these specialized Medicare Plans will cost for an individual.

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