What Do Medicare Supplements Cover?

Medicare Supplements offer further assistance to those wanting to get something extra from Original Medicare. They have specific costs that they will and will not cover.

Medicare Supplements

Medicare Supplements are add-ons you can purchase to go along with your Original Medicare plan. A Medicare Supplement’s role is to provide extra payment assistance once your Medicare plan has paid its share of your bill.

There are certain criteria to meet before you can get a Medicare Supplement plan. First, you have to have both Medicare Parts A and B. You also have a six-month time window to join, and it’s unlikely that you will ever get to sign up for a Supplement Plan after this time has elapsed.

Costs All Supplement Plans Cover

No matter what plan you get, these are the costs guaranteed to be covered:

  • Inpatient hospital and coinsurance costs
  • Part B coinsurance or copayment
  • First three pints of blood
  • Hospice coinsurance or copayment

The only plans that don’t cover 100% of the leftover costs are Plans K and L, which pay 50% and 75%, respectively.

Plan N covers Part B coinsurance, but still leaves the copayment up to the policyholder. Your copayment may be up to $20, and it could be $50 for emergency room treatments that don’t lead to an inpatient stay.

Part B Deductible

Only Plans C and F cover this, and they’re only available to Medicare policyholders who turned 65 before January 1, 2020.

80% Foreign Travel Emergency Costs

Six out of the 10 Medicare Supplements cover this - Plans C-G, and M-N.

Plans with Out-of-pocket Maximums

Only two have this. These out-of-pocket maximums are based on 2021 figures:

  • Plan K - $6220
  • Plan L - $3110

Plan Options

Medicare Supplement plans are divided into 10 separate choices - A, B, C, D, F, G, K, L, M, and N. Each plan has a different level of extensiveness.

Types of Costs Covered

There are nine different types of expenses a Medicare Supplement plan can cover. This includes:

  • Part A inpatient hospital and coinsurance costs, lasting up to 365 days after Medicare benefits have been used
  • Part A deductible
  • Part A hospice coinsurance or copayment
  • Skilled nursing facility coinsurance
  • First three pints of blood
  • 80% of costs from foreign travel emergencies
  • Part B coinsurance or copayment
  • Part B deductible
  • Part B excess charges

Skilled Nursing Coinsurance and Part A Deductible

Plans C-M cover skilled nursing coinsurance. Plans B-M cover the Part A deductible.

Plans K and L pay a percentage of both costs (50% and 75% respectively).

While Plan M pays 100% of skilled nursing coinsurance, it only covers 50% of the Part A deductible.

Part B Excess Charges

Excess charges are only covered by Medicare Supplement Plans F and G. They’re the two most comprehensive plans of all options, with the only difference being that Plan G does not cover the Part B deductible.

Our Plan

Our objective is to get you whatever policy you like and qualify for. At Dale Frank Financial Group, we do our best to ensure that you’re getting a plan that fits you. You can find out more today by calling us at 413-665-1280. You can also reach us through our toll-free number at 800-585-5544, or via email at info@dalefrankfinancial.com.

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Understanding Medicare: Know Your Options and Costs

Not sure where to start with Medicare? We can help!
Download this 16-page guide and get answers to the most common questions about Medicare, including:

  • What’s the difference between Medicare Parts A, B, C and D?

  • What's covered? And how much will I pay?

  • Is Medicare Supplement insurance or a Medicare Advantage plan right for me?

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