Medicare Supplement Plan Comparison

Of the 10 different Medicare Supplements plans (A, B, C, D, F, G, K, L, M, and N), A, B, K, and L have the lowest costs, Plans D, M, and N fall in the middle, and C, F, and G offer the most coverage.

The Low-Cost Medicare Supplements

Of all 10 Medicare plans, plan A has the smallest amount of coverage, and thus the lowest overall price. It covers:

  • Part A Coinsurance & Hospital Costs
  • Part B Coinsurance or Copayment
  • First 3 Pints of Blood for Transfusions
  • Part A Hospice Care Coinsurance or Copayment

While this is not as comprehensive as the other options, it is still extremely beneficial, and especially helpful to those working with a tight budget. Similarly, plan B is essentially the same, but with additional Part A deductible coverage.

Often overlooked are plans K and L. Plan K covers:

  • 100% of Part A Coinsurance and Hospital Costs
  • 50% of Part B Coinsurance/Copayment
  • 50% of the First 3 Pints of Blood for Transfusions
  • 50% of Part A Hospice Care Coinsurance or Copayment
  • 50% of Skilled Nursing Care Facility Coinsurance
  • 50% of the Part A Deductible

As you can see, this plan offers a wide variety of coverage, but at a lower percentage. With this plan, you will have half of all of these benefits covered, the other half coming out-of-pocket. Plan L offers coverage in all the same areas but at 75% rather than 50%. These plans are one of the best ways to lower your overall costs while still receiving coverage for a variety of benefits.

The High-Coverage Supplement Plans (C, F, and G)

On the other side of things, you have the high-coverage options—plans C, F, and G. These are among the most popular supplements, as many Medicare beneficiaries desire as much coverage as possible. Plan C covers:

  • Part A Coinsurance & Hospital Costs
  • Part B Coinsurance/Copayment
  • First 3 Pints of Blood for Transfusions
  • Part A Hospice Care Coinsurance/Copayment
  • Skilled Nursing Care Facility Coinsurance
  • Part A Deductible
  • Part B Deductible
  • 80% of Foreign Travel Emergency Care

Plan G offers the same amount of coverage, but with Part B excess charge coverage instead of the Part B deductible. Plan F, being the overall most comprehensive option, offers both.

The Middle-of-the-Road Supplement Options

Plans D, M, and N fall somewhere in between the low-cost and high-coverage options. Plan D covers:

  • Part A Coinsurance & Hospital Costs
  • Part B Coinsurance/Copayment
  • First 3 Pints of Blood for Transfusions
  • Part A Hospice Care Coinsurance/Copayment
  • Skilled Nursing Care Facility Coinsurance
  • Part A Deductible
  • 80% of Foreign Travel Emergency Care

Plan N offers the exact same benefits as Plan D. However, you are responsible for paying any copayments out-of-pocket when you receive a benefit. With Plan D, these copayments are accounted for in your monthly premium.

The only difference between these and plan M is the Part A deductible—it covers 50% instead of 100%.

Want to Compare Medicare Supplement Plans?

These comparisons are only the beginning. Your next step? Talk over your needs and options in your area with people who will give you honest advice and genuine help. To get started, call Iowa Illinois Senior Solutions at 563-579-6116, or email us at jon@iailsenior.com.

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