What are the “Medigap Standardized Benefits?”

Medicare Supplement (Medigap) Standardized BenefitsAll Medicare Supplement Insurance policies (aka, “Medigap Plans”) are required by law to provide a basic set of coverage benefits. These basic benefits include most Medicare Part A and Medicare Part B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare.

  • Part A Hospital Coinsurance
    • Days 61-90 of a hospital stay in each Medicare benefit period
    • Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime
  • Additional Part A Hospital Benefits
    • An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits
  • Part B Coinsurance
    • Pays for the Part B coinsurance after you meet your annual deductible
  • Part A and B Blood Coverage
    • Pays for the first three pints of blood per calendar year
  • Part A Hospice Coinsurance
    • Pays for outpatient prescriptions drug and inpatient respite care coinsurance

Medigap Standardized Policies

There are currently (as of FY 2013) a total of 11 standardized policies (A, B, C, D F, High Deductible F, G, K, L, M and N). Additionally, these plans may be offered as a SELECT policy, requiring you to use a specific network of providers (like a PPO).

The following links will direct you to a chart of information about each type of plan.

Find Supplemental Medicare Insurance in Your State