Most Popular Plans

Most Popular Plans

Medicare Supplement Plans, also called Medigap Plans, offer 10 different options for coverage. However, like anything that comes in groups, there are a few standouts. These Medigap Plans are popular because of how well-suited they are for prospective policyholders.

The most popular Medigap Plans are F, G, N, and High Deductible G.

Medigap Plan F

Medigap Plan F is among the most popular due to the scope of its coverage. Every single cost category, without exception, is covered 100%. No other Medigap Plan accomplishes this. And in fact, no other Medigap Plan is allowed to, as this Plan is only available to those who qualified for Medicare before January 1, 2020.

Plan F will cover these out-of-pocket costs:

  • Medicare Part A hospital costs and coinsurance
  • First three pints of blood when getting bloodwork
  • Medicare Part B coinsurance or copay
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Medicare Part A hospice care coinsurance or copay
  • Medicare Part A deductible
  • Coinsurance for skilled nursing facility care

Plan F also covers 80% of the out-of-pocket emergency expenses when receiving treatment in a foreign country.

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Medigap Plan G

Medigap Plan G is the closest someone newly eligible to Medicare can get to Plan F. There’s coverage in every category – except for Part B deductibles. While you will get your other deductibles, coinsurances, and copays covered, your Part B deductible will be left up to you. Like Plan F, 80% of emergency costs incurred abroad will be covered as well.

Medigap Plan N

Medigap Plan N is only a step behind Plans F and G in terms of overall coverage. While Plan F covers every cost category, and Plan G covers all but one, Plan N covers all but two – the Part B deductible and excess charges.

The incentive for this is relatively low monthly premium cost. This Medigap Plan takes the stress away from leftover healthcare costs.

A unique feature here is how it approaches the Part B coinsurance and copayment. Plan N will cover 100% of the Part B coinsurance. Plan N doesn’t cover the entirety of the copay, however. On the other hand, your Part B copay will be up to $20 for outpatient visits, and up to $50 for inpatient visits. Your specific Medigap Plan may require you to pay less than the previously mentioned copays.

High Deductible Plan G

The motive for joining High Deductible Plan G is similar to that of Plan N, for this is an attractive option for anyone looking to get a Medigap Plan with lower premiums. High Deductible Plan G doesn’t cover your costs right away, but when you pay the $2,370 in deductibles, you get the traditional Plan G coverage right away. That’s all the benefits of Plan G at a lower monthly expense. For some, this is an option too good to turn down.

MSH can help!

There is not a universal Medigap Plan, as people are unique in their preferences and needs. You are an individual with several great options before you. Reach out to me, and I will help you decide on the best Medigap Plan that suits your needs.