Breaking down medicare supplement

Medicare Supplement Insurance, also known as Medigap, helps cover the out-of-pocket costs left behind by Original Medicare (Parts A & B). These plans are offered by private insurers and are designed to reduce your financial burden by filling in the “gaps” in coverage.

✅ What Medigap Covers:

Depending on the plan (A–N), Medigap may help pay for:

• Part A coinsurance and hospital costs (up to 365 extra days after Medicare benefits end)

• Part B coinsurance or copayments

• First 3 pints of blood each year

• Part A hospice care coinsurance or copayments

• Skilled nursing facility coinsurance

• Part A and Part B deductibles (varies by plan)

• Foreign travel emergency care (up to plan limits)

All Medigap plans of the same letter offer identical benefits, regardless of the insurer. The only difference is price and customer service.

🚫 What Medigap Does Not Cover:

• Prescription drugs (you’ll need a separate Part D plan)

• Long-term care

• Dental, vision, or hearing services (varies per carrier)

• Private-duty nursing

🧭 Choosing a Plan:

There are 10 standardized Medigap plans (A, B, C, D, F, G, K, L, M, N), plus high-deductible versions of Plans F and G. Not all plans are available to new Medicare enrollees—Plans C and F are only for those eligible before January 1, 2020