Medicare Supplement Plans

Medicare Supplement Plans

There are 10 different Medicare supplement plans, each at a different cost with specific benefits for you to choose individualized coverage—this includes plans A, B, C, D, F, G, K, L, M, and N.

Plans A and B

Plans A and B are the smallest plans of the 10 options. They are also the least expensive. Plan A 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

Plan B offers the same coverage, as well as your Part A deductible. If you are looking for decent benefits at a relatively low price, either of these may be the plan for you.

Plans C, G, and F

These plans offer the most coverage. Plan C includes:

  • 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 a slight change. Rather than covering your Part B deductible, it covers Part B excess charges.

Plan F covers the most of the 10 plans, including coverage for both the Part B deductible and excess charges. However, it is expensive and liable to change in the coming years due to new laws being enacted.

Plans K and L

These plans cover a certain percentage of benefits. Plan K, for example, 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

Plan K will cover the first 50% of these expenses, while you pay the remaining costs out-of-pocket. This helps to reduce your overall monthly premiums.

If you want more than 50% coverage but still want a smaller monthly premium, Plan L covers the exact same benefits (including 100% of Part A coinsurance and hospital costs) but at 75% rather than 50%.

Plans D, M, and N

These plans are good “middle-of-the-road” options. If you’re looking for more coverage than plans A and B, but still less than C, G, and F, any of these may be a good option. 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

Interestingly enough, Plans D and N are seemingly identical—but, with Plan N, you will have to pay a copayment for doctor’s visits and emergency care.

Plan M covers 50% of your Part A deductible, the rest the same as Plan D.

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Lithia is a great place to retire, and insurance companies know it. With so many less-than-best providers, how do you find the right one? I’m here to help. If you would like a quote or just have questions, call MB Insurance Solutions at 813-767-2878.