![]() ![]() ![]() These states are: Massachusetts, Minnesota and Wisconsin.Ĭomparing Medigap plans in these states can be a little more cumbersome and difficult, since most of the information is tailored around the ten standardized Medigap plans that other states use. There are a few states in which the plans do not go by the above Medigap coverage chart. ![]() The exceptions to the requirement of standardized Medigap plans are state-specific. There are a few unique exceptions to this, but those are state-specific, not company-specific. In other words, if you are going to sell a plan to supplement Medicare, your plan design must meet the coverage set forth in one of these standardized plans. What Companies Go by This Chart?Īny company that wants to offer Medigap plans is required to offer the standardized plans. Any time the chart changes it does not affect people who already have those plans, as Medigap plans are “guaranteed renewable” and coverage does not change over time. This is also true of any other changes to the Medigap plans. It is important to note that, in 2020 when Plan F was eliminated as an option, people that were already on that plan were “grandfathered in” and able to keep that plan. During this change, Plan F (and Plan C) were eliminated as an option for new enrollees. The next change in the Medigap coverage chart occurred for plans effective on and after. At that time, Plans H and J were eliminated and two new plans – Plan M and Plan N – were added. The last time the plans were “reshuffled” was 2010. However, this does not happen frequently. The Medigap coverage chart does change over time. Does the Medigap Coverage Chart Change Over Time? This does not necessarily mean that those are the best choices for you however, between those three plans, they have over 80% of the market share for Medigap plans. The plans that are most commonly offered are Plan F, Plan G and Plan N. On the contrary, most companies only offer 3-4 of the plans. This allows you to pick a coverage level that you are comfortable with, then compare multiple companies that offer that specific plan.Īll companies do not offer all plans. The Medigap coverage chart shows you exactly what a Medigap plan will cover, regardless of which company you use to obtain the coverage. Why is the Medigap Coverage Chart Important? You must pay an “up to $20” co-pay per doctor visit on this plan and a $50 emergency room co-pay. Once you meet that amount, in addition to meeting your Medicare Part B deductible ($240/year for 2024), the plan pays 100% of covered services for the rest of the calendar year.ģ) Plan N has a co-pay structure for doctor and ER visits. This is not a popular option with companies or consumers, but there are companies that do offer it and premiums are lower than most other plans.Ģ) Plans K and L have an annual out of pocket limit. You must pay that much out of pocket before the plan pays anything.
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