Medicare Supplements
Medicare Supplements are an extra coverage option to add to your Original Medicare plan. Each supplement plan will take care of extra costs, such as deductibles or coinsurance, that aren’t covered by Original Medicare. There are 10 Medicare Supplement plans: A, B, C, D, F, G, K, L, M, and N. Plans F, G, and N offer the most comprehensive of the Medicare Supplements.
Medicare Supplement Plan F
Plan F offers the most extensive coverage for all of the Medicare Supplement plans. However, this plan is not available to any Medicare beneficiary who became eligible for Medicare after January 1, 2020.
For those who are eligible, it covers:
- Part A Coinsurance & Hospital Costs
- Part B Coinsurance or Copayment
- First 3 Pints of Blood for Transfusions
- Part A Hospital Care Coinsurance or Copayment
- Skilled Nursing Care Facility Coinsurance
- Part A Deductible
- Part B Deductible
- Part B Excess Charges
- 80% Foreign Travel Emergency Care
Medicare Supplement Plan G
Medicare Supplement Plan G is the second most comprehensive plan compared to Plan F, except it does not cover the Part B deductible. It covers:
- Part A Coinsurance & Hospital Costs
- Part B Coinsurance or Copayment
- First 3 Pints of Blood for Transfusions
- Part A Hospital Care Coinsurance or Copayment
- Skilled Nursing Care Facility Coinsurance
- Part A Deductible
- Part B Excess Charges
- 80% Foreign Travel Emergency Care
Medicare Supplement Plan N
By and large, Supplement Plan N is fundamentally the same as Plans F and G. However, it doesn’t cover the Part B deductible or the excess charges. It covers:
- Part A Coinsurance & Hospital Costs
- Part B Coinsurance or Copayment
- First 3 Pints of Blood for Transfusions
- Part A Hospital Care Coinsurance or Copayment
- Skilled Nursing Care Facility Coinsurance
- Part A Deductible
- 80% Foreign Travel Emergency Care
