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Compare Medicare Supplement Plans 2020


Original Medicare coverage helps with certain medical costs, but it doesn’t cover the fees that come with all the services and supplies one might need. Both Medicare Part A and Part B (Original Medicare) come with out-of-pocket costs that are the responsibility of the plan holder to pay, such as deductibles, copayments, and coinsurance. 

Medicare Supplement plans (Medigap) work to fill in these gaps, covering a portion of the expenses not included by Original Medicare.

As healthcare costs become more expensive as we age, the importance of having the right kind of medical coverage grows. Adding a Medicare Supplement plan can be a sure-fire way of saving money on medical bills. 

Medicare enrollees should expect some changes to Medicare Supplement plans in 2020. The benefits these plans bring are undeniable but sorting through the many options is a daunting task.

Here is an easy to follow guide for your 2020 Medicare Supplement plans:  

compare medicare plans - 2 pills on wooden spoons


What is a Medicare Supplement Plan?

Medicare Supplement is insurance sold by private companies that helps to pay for certain health care costs not covered by Original Medicare. It was created to help enrollees pay for costs such as deductibles, copayments, and coinsurance, which are not covered by Medicare Part A and Part B.

The best time to buy a Medicare supplement insurance plan is when a person is in the Medigap open enrollment period. This is the time period when you turn 65 and 6 months after. During this time, you have a guaranteed right to buy a Medicare supplement plan.

There are 10 Medicare Supplement (Medigap) insurance plans available in most states. These policies are standardized, meaning they offer the same benefits regardless of which insurance company it is purchased from. Capital letters are used to differentiate the different plan options (A, B, C, D, F, G, K, L, M, and N).

Best Medicare Supplement Plans

When approaching their 65th birthday, most people question which  Medicare Supplement insurance plan is best. 

In truth, there is no such thing. A Medicare Supplement plan that works for one person might not be the best choice for the next. Each plan has its own strengths and drawbacks and there is simply no ‘best’ Medicare Supplement Plan. To find a plan that works for your unique needs, you must consider the benefits and coverage that you desire.

Medical coverage fees are rising each year, but the best way to get a good deal is to compare the plans that are available to you. Our Medicare comparison site allows you to receive instant online Medicare Supplement quotes and learn about how to choose the best 2020 plan for you.

Aside from ensuring you compare all options available to you, be sure to enroll during the Medical Supplement initial enrollment period. This six-month enrollment period begins the month that you turn 65 and is a time when the insurance company can’t look at your pre-existing medical conditions that can increase your premiums.

Medicare Supplement Plans Comparison Chart

Medicare Supplement Plan Chart Comparison - All Medigap Plans


* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,300 in 2019 ($2,340 in 2020) before your Medigap plan pays anything.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

Medicare Supplement Plan F

The Medicare Supplements available in 2020 are slightly different from previous years. Perhaps the most significant change is to Plan F, which is in 2020 will become a closed pool – only available to those currently enrolled in Plan F.

Medicare Supplement Plan F has long been considered one of the most comprehensive plans of the 10 available. The wide coverage has meant it has been particularly popular with beneficiaries who incur significant out-of-pocket costs in Original Medicare. As you would expect, this extensive coverage comes with more expensive coverage. 

Below is a list of costs and benefits covered by Medicare Supplement Plan F:

  • Medicare Part A deductible
  • Medicare Part A hospital and coinsurance costs 
  • Medicare Part A hospice care copayment or coinsurance
  • Medicare Part B deductible
  • Medicare Part B coinsurance and excess charges
  • First three pints of blood
  • Skilled nursing facility coinsurance
  • Foreign travel emergency coverage

Medicare Supplement Plan G

Medicare Supplement insurance Plan G is almost identical to Medicare Supplement insurance Plan F but doesn’t cover the Medicare Part B deductible. 

What sets Medicare Supplement Plan G apart from other plans is that it covers Part B excess charges. Excess charges are the additional expenses that must be paid for health care that goes beyond what Original Medicare covers. In the wake of Plan F becoming a closed pool, this is a benefit that could see many opt for Plan G. 

How much does Medicare Supplement Plan G cost? 

With Medicare Supplement Plan F becoming a closed pool in 2020, many will be looking to  Medicare Supplement Plan G as an alternative. 

Like other Medicare Supplement plans, Plan G rates vary depending on factors such as location, age, and gender. It’s therefore difficult to give an accurate assessment without knowing your unique factors. In general, one can expect Plan G prices to start at around $100/month but there are some providers that will offer lower or higher prices.

To get an accurate price and compare the options available, get a free quote here.  

Cost of Medicare Supplement

Medicare Supplement plans are all standardized in terms of their benefits and coverage, but it is common for them to vary in price. Insurance companies are able to charge different premiums for the very same policy. This is why it’s important to shop for a policy and compare the price. 

This makes forming an average cost for Medicare Supplement insurance extremely complicated. Insurance companies can use one of three ways to set their policy costs: 

  • Community rating. Premiums are the same for everyone living in a geographical area, regardless of age.
  • Issue-age rating. Premiums are based on your age when you first enrolled in the policy and remain the same.
  • Attained-age-rating. Premiums are based on age and increase as you get older. 

Depending on the policy itself and the insurance provider, Medicare Supplement can be anywhere between $50-$350 in monthly premiums.

Medicare Supplement reduces the fear of unpredictable healthcare costs. If you are over 65 or caring for a relative, one of our licensed health insurance agents can help you compare plans and prices. 

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