The Modernized Medicare Supplement Plan Chart updated for 2019 Beginning June 1st 2010 & Medicare Supplement Plans available are A,B,C,D,F,G,K,L,M,N

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.

2019 Modernized Medicare Supplement Standardized Plan Summary & Comparison Chart.

Choose a plan letter to see the specific plan benefits.


Modernized Medicare Supplement Benefit Information Updated for 2019	A	B	C	D	F	F*	G	K	L	M	N
Medicare Part A Coinsurance and Hospital Benefits
Medicare Part A Deductible	-							50%	75%	50%
Medicare Part B Coinsurance or Co-payment								50%	75%		Copay**
Medicare Part B Deductible	-	-		-				-	-	-	-
Medicare Part B Excess Charges	-	-	-	-				-	-	-	-
Blood (First Three Pints)								50%	75%
Foreign Travel Emergency (Up to Plan Limits)***	-	-						-	-
Hospice Care Coinsurance or Co-payment								50%	75%
Preventive Care Coinsurance
Skilled Nursing Coinsurance	-	-						50%	75%
Out-of-Pocket Limit						$2300*		$5,560****	$2,780****
2019 High Deductible Plan F pays NO Benefits until a $2300 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 $2,300 (deductible in 2019) 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 $5560 on plan K and $2780 on plan L and your $185 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.

Basic Benefits
•Hospitalization Coinsurance for days 61-90 is ($341 per day) and days 91 and after while using lifetime reserve days is ($682 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 2019 deductible is $1364

Skilled Nursing Facility (SNF) Coinsurance
• $170.50 a day for days 21-100 in a Skilled Nursing Facility in 2019

Medicare Part B Yearly Deductible
• The 2019 deductible is $185

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