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Once you’re enrolled in Medicare Part A and Part B, you may want additional coverage through a Medicare Supplement (Medigap) insurance policy. Medicare Supplement insurance Plans F, G, and N are three of the 10 standardized Medicare Supplement insurance plans offered in most states. (Massachusetts, Minnesota, Wisconsin have their own versions of Medicare Supplement.)
Medicare Supplement insurance plans are offered by private insurance companies and can help you pay for out-of-pocket costs for services covered under Original Medicare (Part A and Part B). They’re standardized in most states, meaning that different insurance companies must offer the same basic benefits for plans of the same letter. Plans F, G and N are three of the most comprehensive plans. Plan F covers 9 benefits, Plan G covers 8 benefits and Plan N covers 7 benefits. Other Medicare Supplement insurance plans, such as Plan A, cover as few as 4 benefits.
Medicare Supplement insurance Plan N generally covers:
Plan N pays 100% of the Part B (medical) coinsurance except for a copayment of up to $20 on some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient hospital admission.
Medicare Supplement insurance Plan G typically covers everything that Plan N covers (listed above) as well as:
Medicare Supplement insurance Plan F offers more coverage than any other Medicare Supplement insurance plan. It usually covers everything that Plan G covers as well as:
In some states, some insurance companies offer a high-deductible option for Plan F. If you chose this option, you must pay for Medicare-covered costs such as coinsurance, copayments and deductibles up to a deductible amount before your policy pays anything. The Plan F deductible amount can change every year and is $2,300 in 2019. This high-deductible option might have a lower premium than the regular Plan F.
Because Medigap Plan F offers the most benefits, it is usually the most expensive of the Medicare Supplement insurance plans. However, this may not always be the case, and you should shop around to find the best plan option for you. If you know that you will face high out-of-pocket health-care costs, Plan F could give you the most help with these costs.
Note that both Plan F and Plan G may cover Medicare Part B excess charges, and they are the only Medicare Supplement insurance plans that do. Excess charges are the difference in cost between what a non-participating doctor or health-care provider charges for a medical service and the Medicare-approved amount. If you see a non-participating provider, he or she is allowed to charge up to 15% above what Medicare has approved for a covered service. You’ll normally be responsible for paying this excess amount out-of-pocket unless you have a Medicare Supplement insurance plan.
You might want to try to predict your future health care needs when you are first enrolling in a Medicare Supplement insurance plan, as you may not be able to switch plans later when your needs change. In most cases, you won’t have a right under federal law to switch Medicare Supplement insurance policies unless you’re in your 6-month Medicare Supplement Open Enrollment period. During this Open Enrollment Period, you can buy a Medicare Supplement insurance plan from any insurance company that’s licensed in your state. This Open Enrollment Period begins on the first day of the month in which you’re both enrolled in Medicare Part B and age 65 or older. If you apply for a Medicare Supplement insurance plan after your Open Enrollment Period ends, you may be subjected to medical underwriting. Medical underwriting uses information on your past or current health problems to charge you more for coverage or even deny you coverage. You will not be subject to medical underwriting during Open Enrollment.
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This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.