This table lays out what each Medicare Supplement plan covers. The state and federal governments set the minimum benefits that each plan must cover. The only states that don’t follow this are Massachusetts, Minnesota, and Wisconsin.
Standard Medicare Supplement Plans & Benefits
|Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Part B coinsurance or copayment||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes2||Yes||Yes|
|Blood (first 3 pints)||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes||Yes||Yes|
|Part A hospice care coinsurance or copayment||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes||Yes||Yes|
|Skilled nursing facility care coinsurance||No||No||Yes||Yes||50%||75%||Yes||Yes||Yes||Yes|
|Part A deductible||No||Yes||Yes||Yes||50%||75%||50%||Yes||Yes||Yes|
|Part B deductible||No||No||No||No||No||No||No||No||Yes||Yes|
|Part B excess charge||No||No||No||Yes||No||No||No||No||No||Yes|
|Foreign travel exchange (up to plan limits)||No||No||80%||80%||No||No||80%||80%||80%||80%|
1Enrollees in high-deductible Plan G must pay for their Medicare-covered costs up to the deductible amount before the Med Supp begins to pay.
2Med Supp pays 100% of the Part B coinsurance, excluding copayments of up to $20 for some office visits and up to $50 for ER visits that don’t lead to inpatient admission.
3Upon meeting your annual out-of-pocket (OOP) limit and annual Part B deductible, the Med Supp pays 100% of all covered services for the remainder of the calendar year. OOP limits are for CY 2023.
4Plan only available to those eligible for Medicare before January 1, 2020.
5Enrollees in high-deductible F must pay for their Medicare-covered costs up to the deductible amount before the Med Supp begins to pay. Only available to those eligible for Medicare before January 1, 2020._
Note: Med Supp plans are standardized differently in MA, MN, and WI.
Yes means the benefit is covered 100% by your plan. No means it’s not. Percentages are the amount of the plan covers, not how much you owe.
Only Plans K and L have out-of-pocket limits. In these plans, once you hit the yearly limit, your gap plan picks up 100 percent of the covered services. In 2023, the limit for Plan K is $6,940 and $3,470 for Plan L.
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Each plan offers different layers of coverage and cost. You can learn more about Medicare Supplements from our post What Are Medicare Supplements? You can also see what plans are available in your area with Medicareful’s Plan Finder.