Medicare Supplement Otherwise Known As Medigap Insurance Plans 2023

Introduction to Medicare Supplement or Medicare Gaps Plans in California
When it comes to healthcare coverage for seniors, Medicare is a critical resource that provides coverage for a wide range of medical services and treatments. However, it’s important to note that Medicare doesn’t cover all healthcare costs, and there may be gaps in coverage that can result in out-of-pocket expenses. That’s where Medicare Supplement or Medicare Gaps Plans come in.

In California, as in other states, Medicare Supplement or Medicare Gaps Plans are designed to help fill the gaps in coverage left by traditional Medicare. These plans, also known as Medigap plans, are offered by private insurance companies, and they provide coverage for expenses such as copays, deductibles, and coinsurance that isn’t covered by Medicare Parts A and B.

Medicare Supplement plans are standardized, which means that each plan is identified by a letter (A, B, C, D, F, G, K, L, M, or N), and the benefits offered by each plan are consistent across all insurance providers. This makes it easier to compare plans and choose the one that best meets your needs.

Medicare Gaps Plans, on the other hand, are similar to Medicare Supplement plans but are not standardized. This means that the benefits and costs of these plans can vary depending on the insurance provider. However, as Medicare Supplement plans, Medicare Gaps Plans can help pay for expenses that are not covered by Medicare Parts A and B.



It’s important to note that Medicare Supplement or Medicare Gaps Plans are not the same as Medicare Advantage plans. Medicare Advantage plans are an alternative to traditional Medicare, and they provide coverage for healthcare services through a private insurance company. Medicare Supplement or Medicare Gaps Plans, on the other hand, work alongside traditional Medicare to provide additional coverage for out-of-pocket expenses.

In California, residents who are eligible for Medicare can purchase Medicare Supplement or Medicare Gaps Plans through private insurance companies. It’s important to compare plans and costs to find the plan that best meets your individual needs.

Medicare Supplement or Medicare Gaps Plans are a valuable resource for seniors who want to reduce their out-of-pocket healthcare expenses. These plans can provide peace of mind and help ensure that healthcare costs don’t cause financial strain. If you’re interested in learning more about Medicare Supplement or Medicare Gaps Plans in California, speak with a licensed insurance agent who specializes in Medicare.

Plan A: Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted Medicare Part B coinsurance or copayment First three pints of blood for a medical procedure Plan B: Covers everything in Plan A Medicare Part A deductible

Plan C:
Covers everything in Plan B
Skilled nursing facility coinsurance
Medicare Part B deductible
Foreign travel emergency coverage

Plan D:
Covers everything in Plan B, except for the Medicare Part B deductible
Foreign travel emergency coverage

Plan F:
Covers everything in Plan C, except for foreign travel emergency coverage Medicare Part B excess charges

Plan G:
Covers everything in Plan C, except for the Medicare Part B deductible
Medicare Part B excess charges
Foreign travel emergency coverage

Plan K:
Covers 50% of Medicare Part A coinsurance and hospital costs, and 50% of Medicare Part B coinsurance or copayment, as well as the first three pints of blood for a medical procedure
Out-of-pocket limit for 2021: $6,220

Plan L:
Covers 75% of Medicare Part A coinsurance and hospital costs, and 75% of Medicare Part B coinsurance or copayment, as well as the first three pints of blood for a medical procedure
Out-of-pocket limit for 2021: $3,110

Plan M:
Covers everything in Plan A, except for the Medicare Part B deductible
50% of the Medicare Part A deductible
Skilled nursing facility coinsurance
Foreign travel emergency coverage

Plan N:
Covers everything in Plan D, except for the Medicare Part B deductible and excess charges.

Copayment of up to $20 for office visits and up to $50 for emergency room visits that don’t result in an inpatient admission It’s important to note that Medicare Supplement Plan F is no longer available to new beneficiaries as of January 1, 2020. If you already have Plan F, you can keep it, but if you’re new to Medicare, you can’t enroll in this plan. Additionally, Medicare Supplement Plan G is becoming more popular as it provides comprehensive coverage, including coverage for Medicare Part B excess charges, which Plan F used to cover.

Please visit our Video Website Your.medicare247.org and learn more by watching some fun videos or give us a call at 559-343-2333 Article By Rolando Arellano J.D. – Rolando is a graduate of law school, did a postdoctoral at Harvard Law School, also has taught at the University of San Francisco, now dedicates himself to helping people navigate the complexities of Medicare and making sure they get the correct plan so our seniors get the health services they need in their gold ages.