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Medigap’s Most Popular Plans

Find out which Medigap Plans you should be considering.

by Katie Banks+ on Jun 28, 2019 | 2 Comments

There are a lot of Medicare Supplement (Medigap) Plans out there. We know it can be overwhelming. The trick is to understand that there are only a few plans based on price and benefits worth considering. These are Plan F, Plan G, High Deductible F. That is basically it.  All the other lettered ones are typically overpriced or leave out key benefits such as excess charges to be dealt with. A few states offer something called F extra, Innovative F or innovative G which you should definitely consider. Learn more about Innovative Medigap plans here.

In case you are considered newly eligible, meaning people who are 65 years of age or become first eligible for Medicare because of age, disability or end-stage renal sickness on or after January 1, 2020, you should check our article on Medigap’s Most Popular Plans in 2020.

In a nutshell here is the quick breakdown of the main Medigap plans you should consider.

  • F is the most comprehensive plan but will not be available to those new to medicare after 2020. it is usually the most expensive because it offers the most comprehensive coverage.
  • G has the same coverage as F except it will not pay for the Part B Deductible of $185.  This plan has recently been priced very competitively so most people settle on this one. 
  • High F has the same coverage as F except that first you need to meet a deductible of $2,300.  This plan has the lowest monthly premium so it should be considered if you cannot afford F or G. 

We have prepared a chart below to make it easy to understand every benefit of these plans:

Medigap’s Most Popular Plans Complete Coverage

Benefits Original Medicare Alone Original Medicare With Medigap Plan F Original Medicare With Medigap Plan G Original Medicare With Medigap Plan High Deductible F
Doctor Network All Doctors that accept Medicare All Doctors that accept Medicare All Doctors that accept Medicare All Doctors that accept Medicare
Part A Hospital Benefit Period Deductible You pay $1,364* You pay $0 You pay $0 You pay $0 after $2,300 deductible
Hospital days Coinsurance You pay $335 per day for days 61-90, $670 per day for 60 lifetime reserve days You pay $0 You pay $0 You pay $0 after you meet High F deductible
Skilled Nursing Facility Coinsurance You pay $170.50 per day from Day 21-100 You pay $0 You pay $0 You pay $0 after you meet High F deductible
First 3 Pints of Blood You pay 100% You pay $0 You pay $0 You pay $0 after you meet High F deductible
Part B Annual Deductible You pay $185 You pay $0 You pay $185 You pay $0 after you meet High F deductible
Part B Copays/Coinsurance You pay 20% (Part B deductible applies) You pay $0 You pay $0 after Part B deductible You pay $0 after you meet High F deductible
Part B Excess Charges You pay 100% (Part B deductible applies) You pay $0 You pay $0 after Part B deductible You pay $0 after you meet High F deductible
Foreign Travel Emergency You pay 100% You pay 20%*** You pay 20%*** You pay 20%***
More Info Learn More about Original Medicare Learn More about Plan F Learn More about Plan G Learn More about Plan High F


Next Steps to Enroll in Medigap

Feel free to compare the prices by entering our quote page. If you need any assistance please don’t hesitate to give us a call!

Learn More about Medigap Get a Medigap Quote

 

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Reader Comments and Questions

Click Here if you have a question

By Geraldine on August 26, 2019

Can I switch from a Medicare Advantage plan to a Medigap plan during open enrollment? And, if so, am I able to do so with guaranteed issuance as long as I have been covered by health insurance the previous six months? Thanks.

Geraldine,
You can switch from Medicare Advantage to Medigap during Open Enrollment but you will have to answer medical questions unless you find yourself within the first 12 months after becoming eligible for Medicare.

Give us a call to review your case and explain all your options. We charge nothing for our services.
-Michelle from Senior65.com


By Ted on August 07, 2019

I've heard that most people are settling on G because of the F's changes in 2020, whats your take on that?

Ted,
It is definitely something to think about it and we have been getting this question a lot. Check our answer to that question here. Remember we can get you enrolled at no additional cost to you. Give us a call when you are ready.
-Michelle from Senior65.com



Have a question not answered above??? Click here

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.


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