Grandmother And Granddaughter Sitting In


Humana-Logo-PNG-Transparent Background.p
United-healthcare-logo-png-transparent b

Medicare Supplement Plans Explained

  • Insurance by major companies that pays all or part of your out-of-pocket cost (except premiums) after Medicare pays. Does not replace Medicare coverage. Also called Medigap.

  • Several standardized plans, with differences in the coverage and premiums. See the chart below.

  • Must be enrolled in Medicare Parts A, B & D and pay the premiums to be eligible for a Supplement Plan.

  • Pay the premium for the Supplement Plan, with a family discount from many insurance companies.

  • Use any doctor and medical center that accepts Medicare. No networks or referrals required.

  • Emergencies covered everywhere, including outside the U.S.

  • Prescription drugs not covered, so enroll in a separate Medicare Drug Plan with an insurance company.

Supplement Plan Coverages

  • Pays all or part of the Medicare deductible, copays and coinsurance, depending on the plan you select.

  • Standardized coverage plans, with differences in the premium and extra benefits from each company.

  • Some plans include a free fitness club membership, vision discounts and dental discounts.

  • We will get quotes for you from several companies and help you decide which plan is right for you.

Supplement Plan pays the percentage under the lettered plans below

Med Supp Plans & Coverage_2.tif

Plans F & G also offered as a high-deductible plan by some insurance companies. You pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the deductible amount $2,370 in 2021 before the Supplement plan pays. Plan F, high deductible Plan F and Plan C are only available to people who were first eligible for Medicare before 2020.


Plans K & L: After you meet your annual out-of-pocket maximum and your annual Medicare Part B deductible ($203 in 2021), the Supplement plan pays 100% of covered services for the rest of that calendar year.


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

Many people enroll in Supplement Plans F, G or N because they provide the most coverage. 

Others prefer a plan which covers some of their out-of-pocket cost so they have a lower premium.


  • Prescription drugs are not covered, so you need a separate Medicare Drug Plan or pay full price.

  • Dental, vision & hearing are not covered in some plans, so you need separate plans or pay full price.

  • Medical questions will not be asked if you enroll during your one-time open enrollment period.

Call to learn more and to enroll in the Supplement Plan that's right for you.