Medicare Supplement Plans in 2022

Medicare is the United States’ health insurance program for people aged 65 or older. Certain people younger than age 65 can qualify for Medicare, including those with disabilities or permanent kidney failure. The program helps with the cost of healthcare, but it does not cover all medical expenses or the cost of most long-term care.

Please note that the following information is not yet available for 2023. 

Medicare Supplement Plans Comparison Chart 2022

Medigap Benefits
Plan A Plan B Plan C Plan D Plan F* Plan G* Plan

K

Plan

L

Plan M Plan N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Part B coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Blood (first 3 pints) Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Part A hospice care coinsurance or copayment Yes Yes Yes Yes Yes Yes 50% 75% Yes Yes
Skilled nursing facility care coinsurance No No Yes Yes Yes Yes 50% 75% Yes Yes
Part A deductible No Yes Yes Yes Yes Yes 50% 75% 50% Yes
Part B deductible No No Yes No Yes No No No No No
Part B excess charge No No No No Yes Yes No No No No
Foreign travel exchange (up to plan limits) No No 80% 80% 80% 80% No No 80% 80%
Out-of-pocket limit** N/A N/A N/A N/A N/A N/A $6,620 in 2022 $3,310 in 2022 N/A N/A

Source: www.medicare.gov 

Most Popular Medigap Plans for 2022

The most popular Medigap plans for 2022 include Medicare Supplement Plan G. 

Medigap Plan G

Original Medicare covers hospital care, doctor’s visits,and related services, but does not cover all care. You’ll still have a deductible and may have copays or coinsurance fees. 

 

Medigap supplemental insurance covers the cost of Original Medicare deductibles, coinsurance, and copays. Medigap Plan G is available in some states as a high-deductible plan. The specific additional benefits of Medigap Plan G include:

  • Coverage for an additional 365 days of hospital care after Original Medicare benefits are exhausted, as well as coverage for hospital coinsurance and deductibles.
  • Coverage for Medicare Part B coinsurance and copays.
  • Coverage for the first three pints of a blood transfusion.
  • Medicare Part A’s hospice copayment or coinsurance.
  • Medicare Part A deductibles.
  • Up to 80% of foreign travel exchange.
  • Care in a skilled nursing facility.

 

Medigap Plan G does not cover dental care, cosmetic procedures, or acupuncture.

Medigap Plan N

Medigap Plan N is a privately administered type of Medicare supplement insurance. It’s designed to help cover specific out-of-pocket costs that Medicare Part A and B don’t cover. 

 

Plan N covers things like Medicare Part A coinsurance, and Medicare Part B coinsurance for outpatient care. If you spend a lot each year on coinsurance and copays, Medicare Supplement Plan N is for you. 

How to Enroll for 2023

To enroll for a Medicare Supplement plan for 2023, make sure to be aware of the enrollment start and end dates. Additionally, you can:

Cost of Medicare Supplement Insurance

For 2022, a Medicare Supplement plan costs an average of $163 per month.

How to Change Medicare Supplement Plans

To change Medicare Supplement insurance plans, call the insurance company who is selling the plan you want. If they accept your application, call your current Medicare Supplement insurance company and ask how to end your coverage with your current plan.

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