Call Us 309-764-8331 ☰ ˟
Logo
Call Us 309-764-8331
  • Home
  • Products
    • Life Insurance LinksImage of right arrow
      • Permanent Insurance
      • Term Life Insurance
      • Term Life Insurance Quote
      • Universal Life Insurance Quote
      • Second-To-Die Life Insurance Quote
      • Life Insurance Glossary
      • BlueCross Express Link
    • Health InsuranceImage of right arrow
      • Introduction to Health Insurance
      • Health Insurance Quote
      • Group Health Insurance Quote
      • Glossary of Health Terms
      • IL Blue Cross Individual Marketplace
      • BlueCross Express Link
    • Auto InsuranceImage of right arrow
      • Introduction to Automobile Insurance
      • Auto Insurance Quote
      • Business Auto Insurance Quote
      • Commercial Auto Insurance Quote
      • Antique Auto Insurance Quote
      • Public Auto Insurance Quote
      • Motorcycle Insurance Quote
      • State Requirements
    • Business InsuranceImage of right arrow
      • Business Insurance Intro
      • Office and Business Owner Quote
      • Large Manufactures and Companies Quote
      • Artisan Contractor Quote
      • Business Earthquake Quote
      • Employment Practice Liability (EPLI) Quote
      • Business Flood Quote
      • Home Business Quote
      • Liquor Store Quote
      • Personal Umbrella Quote
      • Restaurant Insurance Quote
      • Workers' Compensation Quote
      • Business Owners Policy
    • Disability InsuranceImage of right arrow
      • Disability Insurance
      • Disability Insurance Quote
      • Disability Guides
      • Disability Statistics
      • Disability Insurance Links
    • Homeowners InsuranceImage of right arrow
      • Homeowners Insurance
      • Homeowners Insurance Quote
      • Renters Insurance Quote
      • Rental Property Insurance Quote
      • Mobile Home Insurance Quote
      • Apartment Building Insurance Quote
      • Homeowners Earthquake Insurance Quote
      • Homeowners Flood Insurance Quote
    • Long Term Care InsuranceImage of right arrow
      • Understanding Long Term Care
      • Long Term Care Insurance Quote
      • Long Term Care Guides
      • Long Term Insurance Links
    • MedicareImage of right arrow
      • Medicare Part A (2020)
      • Medicare Part B (2020)
      • Medicare Advantage
      • Medicare Part D
      • Medigap Policies
      • Medicare Health Plans Quote
      • Important Links
      • My Medicare Tools
    • Recreational Vehicle InsuranceImage of right arrow
      • Recreational Vehicle Insurance
      • Recreational Vehicle Insurance Quote
      • Recreational Insurance Links
      • Motor Home Insurance Quote
      • Snowmobile Insurance Quote
      • Travel Trailer Insurance Quote
      • Boat Insurance Quote
    • Tax CenterImage of right arrow
      • Tax Calculators
      • Tax Articles
      • Tax Center
      • Tax Organizer and Tax Forms
    • Employee Benefits Consulting
  • Client Services
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Auto Accident Claim
    • Home Claim Form
    • Change of Address
  • About Us
    • About Us
    • Our Locations
    • Staff
    • Refer a Friend
    • Privacy Policy
  • Contact Us
Home > Medicare > Medigap Policies

Medigap Policies

A Medigap policy is a health insurance policy sold by private insurance companies to fill "gaps" in Original Medicare Plan coverage. Every Medigap policy must follow federal and state laws designed to protect you, and they must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters A through D, F through G, and K through N. All policies offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way..

Click image to view guide to Medigap Policies on page 69

Medicare and You

Outline of Medicare Supplement Coverage

(Benefit Plans A-N)

The chart below shows basic information about the different benefits that Medigap policies cover. If a percentage appears, the Medigap plan covers that percentage of the benefit, and you’re responsible for the rest. Some plans may not be available in your state as indicated below.

  A B C D F* G K** L** M N***
Medicare Part A Coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used) 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B Coinsurance or Copayment 100% 100% 100% 100% 100% 100% 50% 75% 100%
100%
**
Blood (First 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Part A Hospice Care Coinsurance or Copayment 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Care Coinsurance     100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A Deductible   100% 100% 100% 100% 100% 50% 75% 50% 100%
Medicare Part B Deductible     100%   100%          
Medicare Part B Excess Charges         100% 100%        
Foreign Travel Emergency (Up to Plan Limits)     80% 80% 80% 80%     80% 80%
Out-of-Pocket Limit             $5,880 $2,940    

*Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 before your policy pays anything.

**For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($198 in 2020), the Medigap plan pays 100% of covered services for the rest of the calendar year.

***Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

Carrier
Carrier
Carrier
Carrier

Carrier
Carrier 
Carrier
Carrier
Carrier 
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
3901 15th Street D. | Moline, IL 61265-7206
P: 309-764-8331 | F: 309-764-5967 | scott@lohman-companies.com
Social Social Social
Logo

Powered by Insurance Website Builder

The website may contain concepts that have legal, accounting and tax implications. LB Benefits Inc. dba Lohman Companies does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.

Lohman Companies Privacy Statement