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Medigap Plan F is the most comprehensive supplement

The Most Comprehensive Medigap Plans

For many folks, basic Medicare coverage isn’t enough. Medicare Supplement Insurance (Medigap) is extra insurance you can buy that helps fill in the “gaps.” 

When it comes to choosing a Medicare Supplement plan, you have many options. There are 10 different plans, but only some offer comprehensive coverage. Those plans are C, F, G, and N. Let’s take a look at what each plan covers. You’ll find that there are not many differences between them.    

Medigap Plan C

Plan C is among the most comprehensive Medicare Supplement plans. It covers 80% of a foreign travel emergency — up to plan limits — and 100% of the following: 

  • Part A coinsurance and hospital costs 
  • Part B coinsurance and copayment 
  • First three pints of blood — for transfusions 
  • Part A hospice care 
  • Skilled nursing facility care coinsurance 
  • Part A deductible 
  • Part B deductible 

Plan C doesn’t over Part B excess charges.

Also, this plan is no longer available to people who were not eligible for Medicare before January 1, 2020. The reason is because Plan C coverage includes the Part B deductible, which is banned by the Medicare Access and CHIP Reauthorization legislation.   

Medigap Plan F

Plan F is the whole package. It’s the only plan that covers everything, from 80% of a foreign travel emergency to 100% of:

  • Part A coinsurance and hospital costs 
  • Part B coinsurance and copayment 
  • First three pints of blood — for transfusions 
  • Part A hospice care 
  • Skilled nursing facility care coinsurance 
  • Part A deductible 
  • Part B deductible
  • Part B excess charges 

Like Plan C, Plan F is no longer available to people who weren’t eligible for Medicare before January 1, 2020 — since it covers the Part B deductible.

Medigap Plan G

If you’re ineligible for Plans C or F, Plan G is still legit. The only item it doesn’t cover is the Part B deductible. Plan G covers 80% of a foreign travel emergency and 100 of: 

  • Part A coinsurance and hospital costs 
  • Part B coinsurance and copayment 
  • First three pints of blood — for transfusions 
  • Part A hospice care 
  • Skilled nursing facility care coinsurance 
  • Part A deductible 
  • Part B excess charges 

Medigap Plan N

Plan N sometimes gets overshadowed by F and G. But it’s no slacker when it comes to coverage — 80% of a foreign travel emergency and 100% of: 

  • Part A coinsurance and hospital costs 
  • Part B coinsurance and copayment 
  • First three pints of blood — for transfusions 
  • Part A hospice care 
  • Skilled nursing facility care coinsurance 
  • Part A deductible 
  • Part B deductible 

Plan N doesn’t cover the Medicare Part B deductible or excess charges.

Schedule a Free Medigap Consultation

If you need help finding a Medigap plan, schedule a free consultation with Trusted Senior Specialists. One of our qualified agents will help you compare costs and estimate your savings — so you can make a wise decision. You can also call (844) 325-8710 for immediate assistance!