Medicare Supplement plans supplement your Original Medicare benefits. When you buy a Medicare Supplement policy, you pay your private insurer a monthly premium in addition to the monthly Part B premium you pay for Original Medicare.
With a Medicare Supplement plan, Medicare pays its share of your covered health care costs. Then, your Medicare Supplement policy pays its share.
The most popular Medicare Supplement Plans are Plans F, G, and N.
Medigap Plan F is the most comprehensive and popular Medicare Supplement plan, covering the following:
Medigap Plan F fills all of the gaps in Original Medicare, leaving you completely protected.
Medigap Plan G is the second most popular Medicare Supplement plan and has the most substantial coverage available outside of Medigap Plan F. This plan covers the following:
With this plan, all of the gaps in Original Medicare are covered except for your Medicare Part B deductible.
Medigap Plan N is a popular Medicare Supplement plan that is less comprehensive than plans F and G but more comprehensive than plans A and B. With this plan, the following is covered:
Plan N offers you a lower premium and in exchange, you take on some copays and a small annual deductible.
The main difference between these plans is whether your Part B deductible and Part B excess charge are covered. Plan F covers both, Plan G covers only your excess charge, and Plan N covers neither.
If you want the most coverage (which also comes with the highest premium), Plan F is a great choice. If you want substantial coverage with a lower premium, Plan N might be for you. For a middle of the road option that covers your Plan B deductible, you might want to opt for Plan G.
Senior Health Solutions in Opelika, AL can help you get the Medicare coverage you need at the prices you can afford. Specializing in all things Medicare, we can get you the peace of mind you need so you can enjoy your life stress-free.
You can give us a call at (866) 445-5215 or send an email to info@seniorhealthsol.com.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
