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If you are looking for a Medicare Supplement insurance policy or a MediGap insurance policy you have come to the right place. A Medicare Supplement or a MediGap plan are interchangeable words and mean the same thing.

***2017 Special Note*** If you are looking for the old plans before 06/01/2010 please click here. The old plans will not be available for sale after 05/31/2010 nationwide.

We help you easily understand the insurance language and quickly zero in on a Medicare supplement policy to meet both your need and budget.

Selecting the right plan is really not complicated. There are 10 plans the Center for Medicare Services or (CMS) & the National Association of Insurance Commissioners (NAIC) created in 1990 and updated recently in June 2010. These plans are exactly the same regardless of which insurance company offers the plan.

There are "holes" or "Gaps" in Medicare Part A and Part B. The supplement policy you select will fill the financial gaps. The number of these financial holes filled in will depend on which supplement you select. The chart below will give you a quick understanding of which plan might be best suited for you.

Year after year we have found Medicare Supplement Plan F or Medicare Supplement Plan G to be the best value for the dollar. The new Plan N is a great alternative to a Medicare Advantage plan.  Plan N might be recommended depending on which state you live in and how much the supplement cost in relation to available Medicare Advantage plans. A plan N will provide more coverage and a very reasonable premium. In Florida we have the lowest rate for plan F & plan N. See the Medicare Supplement Plan chart below. In general, the higher you go up in the plan chart the more Gaps the plan fills. Medicare Supplement Plan F is the most comprehensive supplement plan and there is not a better plan than F. Most people will select a Plan F. However, depending on your personal situation there may be a more cost efficient choice.

The first step is to zero in on which plan you might want and complete the Medicare Supplement quote request form or give us a call at the number on the right. We will do the rest. We have shopped the market for you and can quickly give you a quote for the plan of your choice and answer all your questions.

The second step is for us to send you a complete package and help you complete the application. If you select us as your agent we will also give you unlimited support in selecting a Part D Prescription drug plan as well. We produce a report showing you which Medicare RX plan might be best for you based on your current prescription drug need. And we also help you enroll in the plan of your choice.


Call to speak to an agent 1-800-728-9609

or for the Do-It-Yourselfers you can run an instant quote and apply with 2 of our many companies. Either way we give you all the assistance you need. Just call us.

Click on Manhattan Life or Mutual of Omaha to get started.

What do you have to lose? We still like to provide good old fashioned customer service.

 

 


There are only 10 Standardized Medicare Supplement plans “A” through “N” to choose from.

The standard chart was changed on June 1, 2010. The new chart for 2017 has been posted on this website.

All of these plans are the same with every insurance company offering the plan.

Not all plans are offered by every insurance company...

The one you select can make a difference on how much your "out of pocket expenses" will be...

We help you make a wise choice...

Most of the time we recommend Medicare Supplement plan F or Medicare Supplement plan G highlighted in the chart below in yellow. But the choice is entirely up to you...

There are 10 Modernized Standardized Medicare Supplement plans “A” through “N”.
The benefits of each plan are different, with the exception that all plans are required to cover the “Basic Benefits” which are identified below. Medicare standardized the plans in 1990 to limit the consumer’s confusion when comparing coverage offered by different insurance companies. However beginning June 1, 2010 the plan chart and the benefits are changing and improved to meet the changing health care environment. Some benefits have been eliminated and several benefits have been added to enhance the Medicare supplement coverage.

With standardization, the consumer can easily compare the benefits and the cost between the different insurance companies offering the plans. The words "Medicare supplement" and MediGap plans are interchangeable and mean exactly the same thing. The descriptions of benefits of each of these plans are in the table below.

How to read the chart: If a check mark appears in the column, this means the MediGap policy covers the benefit up to 100% of the Medicare-approved amount. If a dash is in the column the benefit is not covered by the plan. If a column lists a percentage, this means the MediGap policy covers the benefit at a percentage rate of the Medicare-approved amount. If no percentage appears or if the column has a dash, this means the MediGap policy doesn't cover the benefit. Note: The coverage of coinsurance only begins after you have paid the deductible on plans K & L.

 

2017 Medicare Supplement Plan Comparison.

Choose a letter to see the plan summary.

A B C D F G K L M N

 

 

               
Modernized Medicare Supplement Benefit Information updated for 2017
A
B
C
D
F
F*
G
K
L
M N
Medicare Part A Coinsurance and Hospital Benefits
check
check
check check
Medicare Part A Deductible

-

50%

75%

50% check
Medicare Part B Coinsurance or Co-payment
check
check
check
check
check
check
50%
75%
check Copay**
Medicare Part B Deductible
-
-
check
-
check
 

-

-

-

-

Medicare Part B Excess Charges
-
-
-
-
check 
check 

-

-

-

-

Blood (First Three Pints)
check
check
check
check
check
check
50%
75%
check

check

Foreign Travel Emergency (Up to Plan Limits)***
-
-
check
check

-

-

Hospice Care Coinsurance or Co-payment
check
check
check
check
check
check
50%
75%

check

check

Preventive Care Coinsurance
check
check

check

check

Skilled Nursing Coinsurance
-
-
50%
75%

Out-of-Pocket Limit           $2200*   $5,120**** $2,560****    
*2017 High Deductible Plan F pays NO Benefits until a $2200 deductible is met.

*Medicare Supplement Plan F also has a high deductible option. We don't recommend the high deductible plan F in most cases. If you select the high deductible plan F you have to pay the first $2,200 (deductible in 2017) in MediGap-covered costs before the MediGap policy pays anything.

*In some areas some companies will offer a Select Plan C & Select Plan F. The plans are the same as Plan C & Plan F except they will have network hospitals to use. Select Plan C & Select Plan F will have lower premiums.

**Plan N pays Part B coinsurance or co-payment except for an insured copay of up to $20 for each doctor's office visit and up to $50 for each emergency room visit ( emergency room copay waived if admitted as an inpatient).

***You must also pay a separate deductible for foreign travel emergency care ($250 per year). The plan pays 80% after the $250 deductible up to the plans lifetime limit of $ 50,000

**** On plans K & L Only. After you meet your out-of-pocket yearly limit of $5120 on plan K and $2560 on plan L and your $183 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year. We don't recommend these plans for most people.

 

 
2017 Basic Benefits
•Hospitalization Coinsurance for days 61-90 is ($329 per day) and days 91 and after while using lifetime reserve days is ($658 per day)
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services
 

Medicare Part A Hospital Deductible
• The 2017 deductible is $1316
 

Skilled Nursing Facility (SNF) Coinsurance
• $164.50 a day for days 21-100 in a Skilled Nursing Facility in 2017

Medicare Part B Yearly Deductible
• The 2017 deductible is $183

Medicare Part B Excess Charges
• Difference between doctor's charge and Medicare's approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000
 

 


 

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Publications:

Medicare at a Glance

Medicare & You

Choosing A MediGap Policy

Medicare's Guide to Preventive Services

Your Guide to What Medicare Part A & B Covers


 

HomeMedicare Supplement Plan Comparison Chart Before 06/01/2010 | Medicare Supplement Plan Comparison Chart For 2017| Medicare Supplement Quote Request | Contact Us

©Copyright 2017 The Medicare Channel All Rights Reserved. This website is a general description of benefits for Medicare Supplement plans. Although every effort is made as to the accuracy of the information on this website there is always the possibility of an error. If you see an error please contact us so we can correct it. The insurance policy will always determine benefits. Please contact us for an outline of coverage provided by each of the insurance companies we represent. Not all plans are available in all areas. If you submit a quote or information request a licensed agent will contact you. We engage in insurance sales only in the states in which we are properly licensed. We are currently licensed in AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, NE, NM, NC, OH, OK, SC, SD, PA, TN, TX, VA & WV. Not affiliated with, authorized by or endorsed by the U.S. government or the federal Medicare program. For more information feel free to Contact Us.

   

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