About Medicare Supplement Plans

Medicare Part A (Hospital) covers 100% of your hospital bills for in-patient visits after the Part A deductible* ($1,632 in 2024) has been met. There are daily rates when you exceed a 60-day period.

*The Part A deductible is not an annual deductible; it applies to each 60-day benefit period.

Medicare Part B (Medical) covers 80% of your medical bills after the Part B annual deductible ($240 in 2024) has been met.

Most Medicare Supplement Plans cover 100% of the Part A deductible, and bills associated with hospitalization, skilled nursing facility care, blood, and hospice care, as well as the 20% of medical bills that Part B does not cover. Choosing a Medicare Supplement means that you are choosing “Original Medicare”, of which, 98% of Doctors and Hospitals participate.

With a Medicare Supplemental Plan (typically Plan F, Plan G, or Plan N) you will pay a premium each month for your coverage, and your expenses beyond this premium will be minimal.

Medicare Supplemental Plans are Federally regulated, and are therefore identical among all carriers. A Plan G is a Plan G, and a Plan F is a Plan F; coverage is identical, while premiums and underwriting guidelines are unique among carriers. Underwriting guidelines are used when moving between carriers for a lower rate, or when moving from an Advantage Plan to a Supplemental Plan.