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Medicare Supplemental Insurance policies (also known as Medigap policies) are sold by private insurance carriers in order to complement Original Medicare or Medicare Advantage and offer coverage for other treatments and services not approved by Medicare. These policies are regulated by federal and state governments, and must be offered in standardized form. Eleven plans can be offered, but all carriers must offer at least the standard benefit Plan A.
The benefits are standardized so as to be comparable between Plans A, B, C, D, F, F+ (High Deductible), G, K, L, M and N. Plan A or the basic supplemental insurance policy must:
- Be guaranteed renewable (except for non-payment of premiums)
- Provide co-insurance for hospitalization for days 61-100 (prior to that there is no co-insurance
- Provide a lifetime reserve benefit of 365 days of hospitalization coverage in excess of 150 days.
|Factors||Medicare Supplement (if you have Plan F)||HMO|