Medigap Insurance

This chart provides a comparison of medigap supplemental insurance.

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Medigap Benefit	A	B	C	D	E	F	G	H	I	J
Medicare A & B coinsurance
365 days extra hospital stay
3 pints blood
Part A deductible
Foreign travel emergency
Skilled nursing coinsurance
Medicare part B deductible
Medicare part B excess
At-home recovery
Preventative care
Prescription drug benefit

Explanation of Medigap insurance benefits

Medicare A & B coinsurance. This Medigap insurance benefit covers the coinsurance cost incurred during a hospital stay under Medicare A and the coinsurance or copayment on Medicare B services once the deductible is met.
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365 days extra hospital stay. This Medigap insurance benefit covers the full cost of 365 extra days of hospital stay after all Medicare hospital benefits are exhausted.
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3 pints of blood. This Medigap insurance benefit covers the cost of 3 pints of blood per year.
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Part A deductible. This Medigap insurance benefit covers the deductible on Medigap Part A, which may vary from year to year. (It is $840 in 2003.)
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Foreign travel emergency. This Medigap insurance benefit covers 80% of emergency care administered outside the country during the first 60 days of any trip. A $250 deductible and $50,000 lifetime maximum apply.
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Skilled nursing coinsurance. This Medigap insurance benefit covers up to $105 per day towards the cost of a stay in a skilled nursing facility during days 21 through 100.
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Medicare Part B deductible. This Medigap insurance benefit covers the annual deductible on Medicare Part B, which may vary year to year. (It is $100 in 2003.)
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Medicare Part B excess. This Medigap insurance benefit helps cover the additional cost of services by doctors who don't accept "assignment" (that is, who don't accept Medicare's reimbursement as payment in full). Medigap G pays for 80% of the extra cost, and Medigap F, I, and J cover all the extra cost.
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At-home recovery. This Medigap insurance benefit helps cover the additional cost of at-home care if you are already receiving Medicare-covered home health care services. A $40 per day and $1,600 per year limit both apply.
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Preventative care. This Medigap insurance benefit provides for up to $120 worth of preventative care per year. (Covered services include check-ups, cholesterol screening, hearing tests, diabetes screening, and thyroid testing.)
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Prescription drug benefit. This Medigap insurance benefit helps cover the cost of prescription drugs. Medigap H and I cover 50% of the cost up to $1,250 per year, and Medigap J covers 50% of the cost up to $3,000 per year. A $250 deductible applies under each plan.
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Evaluating medigap insurance

In buying Medigap insurance policy you need to balance coverage and cost.

Assess your options.

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