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Last Updated:
2/1/2012
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Medigap
Plan A Basic Benefits
All Medigap policies must cover a basic set of benefits. These basic
benefits include most Medicare Part A and 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 |
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|
Medigap
Plan B
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible |
|
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Medigap
Plan C
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
Coverage
for the Medicare Part B deductible ($110 per calendar year in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
|
 |
Medigap
Plan D
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
 |
Coverage
for at-home recovery. The at-home recovery benefit pays up to $1,600
per year for short-term, at-home assistance with activities of daily
living (like bathing, dressing, personal hygiene, etc.) for those
recovering from an illness, injury, or surgery |
|
 |
Medigap
Plan E
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
 |
Coverage
for preventive medical care. The preventive medical care benefit pays
up to $120 per year for things like a physical exam, serum cholesterol
screening, hearing test, diabetes screening, and thyroid function test |
|
 |
Medigap
Plan F
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
Coverage
for the Medicare Part B deductible ($110 per calendar year in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
 |
Coverage
for 100 percent of Medicare Part B excess charges |
|
 |
Medigap
Plan G
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
 |
Coverage
for at-home recovery. The at-home recovery benefit pays up to $1,600
per year for short-term, at-home assistance with activities of daily
living (like bathing, dressing, personal hygiene, etc.) for those
recovering from an illness, injury, or surgery |
 |
Coverage
for 80 percent of Medicare Part B excess charges |
|
 |
Medigap
Plan H
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
|
 |
Medigap
Plan I
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
 |
Coverage
for at-home recovery. The at-home recovery benefit pays up to $1,600
per year for short-term, at-home assistance with activities of daily
living (like bathing, dressing, personal hygiene, etc.) for those
recovering from an illness, injury, or surgery |
 |
Coverage
for 100 percent of Medicare Part B excess charges |
|
 |
Medigap
Plan J
 |
All
the basic benefits of Plan A |
 |
Coverage
for the Medicare Part A inpatient hospital deductible ($912 per
benefit period in 2005) |
 |
Coverage
for the skilled-nursing facility co-insurance amount ($114 per day, for
days 21 through 100 per benefit period, in 2005) |
 |
Coverage
for the Medicare Part B deductible ($110 per calendar year in 2003) |
 |
80
percent coverage for medically necessary emergency care in a foreign
country, after a $250 deductible |
 |
Coverage
for at-home recovery. The at-home recovery benefit pays up to $1,600
per year for short-term, at-home assistance with activities of daily
living (like bathing, dressing, personal hygiene, etc.) for those
recovering from an illness, injury, or surgery |
 |
Coverage
for 100 percent of Medicare Part B excess charges |
 |
Coverage
for preventive medical care. The preventive medical care benefit pays
up to $120 per year for things like a physical exam, serum cholesterol
screening, hearing test, diabetes screening, and thyroid function test |
|
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