Medicare Supplement By State

Medicare Supplement by State

Medicare Supplement (also called Medigap) is a way to cover Medicare’s out-of-pocket costs, such as copayments, coinsurance, and deductibles.

Most Medicare Supplement insurance plans come with a monthly a premium, but once you pay that premium, you could have few other Medicare costs depending on your plan. Like Medicare Advantage and Medicare Part D, Medicare Supplement is offered by private insurance companies.

Medicare Supplement plans vary from state to state in terms of who is eligible. Some states allow people under 65 to have a Medicare Supplement plan while some states make people wait until 65 to get Medicare Supplement. Medicare benefits are generally standardized by state, but Massachusetts, Minnesota, and Wisconsin have their own standardized plans.

Medicare Supplement covered benefits can include:

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Medicare Part B coinsurance or copayment
  • First three pints of blood
  • Medicare Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Medicare Part A deductible
  • Foreign travel up to plan limits

Some Medicare Supplement plans have out-of-pocket limits.

(As of January 1, 2020, Medigap plans sold to new people with Medicare aren’t allowed to cover the Medicare Part B deductible.)

In most states, there are up to ten standardized Medicare Supplement plans named with letters, such as Medicare Supplement Plan A, B, C, D, F, G, K, L, M and N. Medicare Supplement plans A and B should not be confused with Medicare Part A and Part B.

Because the plans are standardized, your Medicare Supplement Plan G bought in California will include the same benefits as Plan G bought in Oklahoma. The biggest difference may be cost, which can vary from private insurance company to company.

To learn more about Medicare Supplement in your state, click on your state below.