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The Medicare Supplement Insurance Chart

There are 12 standardized Medicare Supplement Insurance plans, named “A” through “L.” Every plan offers different levels of benefits. The following chart shows the benefits included in each plan.

The Basic Benefits Included in Plans A- J of Medicare Supplement are:
  • a) Hospitalization: Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • b) Medical expenses: Medicare Part B coinsurance (generally 20 percent of Medicare-approved expenses), or copayments for hospital outpatient services
  • c) Blood: First three pints of blood each year

Here is the Medicare Supplement Insurance Chart showing comparison between Medicare plans A-L:

Medicare Supplement Insurance Chart

Read Complete Guide to Medicare Insurance

*Plans F and J also have a high-deductible option. You will have a lower premium with the high-deductible option, but you will have to pay more out of pocket before the policy will begin to pay benefits. There is a separate deductible for the foreign travel emergency benefit.

Part A Deductible :

Many of the Medicare Supplement insurance plans cover the deductible for the insured persons for services like home health-care, in-patient hospital and trained nursing facility. Medicare pays all the cost lying in insurance coverage for every single benefit period excluding the Medicare Part A Deductible that amounts to $1,132 in 2012 (for the initial 60 days). The coinsurance amount with regard to the hospital stays (exceeding 60 days < 150 days) are also not included.

Medicare Part A Deductible - 2012:

You are required to pay the following amount for every single benefit period:

  • An amount totaling to $1,132 for the hospitals stay from 1-60 days
  • For 61-90 days of hospital stay, that amount equals  $283 per day
  • For 91-150 days (Lifetime - Reserve Days of hospital stay the price amounts to be $566
  • Total of the costs for the days exceeding 150

Skilled Nursing Coinsurance

Part B Deductible:

Part B covers the insured’s deductible for Medicare approved services such as outpatient hospital, doctor, some health services for home and long- lasting medical apparatus.

Medicare Part B Deductible – 2012:

  • After paying the deductible of $162, patients/insured persons are required to pay 20% for the services approved by the Medicare.

Part B Excess

Part B Excess in Medicare refers to the above charges that a doctor/ physician levies from a patient. These extra charges that are made by the doctor fall beyond the amount limit for a service as approved by the Medicare.  Many doctors do follow the standardized rate by Medicare and many just refuse. Hence, individuals in the latter case have to be responsible for these extra charges. If you are insured with Medicare Advantage Plans, it will give you coverage for Part B Excess charges. For instance Medicare Supplement Plan G and Medicare Plan F. 100 percent of the Part B Excess costs are covered by the Medicare Supplement plans.

Foreign Travel Emergency:

Medicare Supplemental plans such as C, D, E, F, G, H, I and J offer foreign travel emergency care (health) cover when you travel outside U.S. The above mentioned Medicare supplement health insurance plans pay 80% of the emergency costs within 60 days of every trip after paying your deductible of $250.

Coverage for foreign travel emergency in Medicare Supplemental plans constitute $50,000 lifetime limit. However, it is essential to monitor your health insurance plan for knowing the exact coverage for foreign travel emergency. There are some Medicare + Choice plans available that offer Insurance benefits giving you worldwide health coverage (foreign travel emergency) on travelling out of the United States.

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