Medicare Supplement (aka Medigap) plans work along side with Original Medicare Parts A and B. This means Original Medicare will still be your Primary insurance provider and your Medigap plan would be your “secondary” insurance, since Original Medicare would pay first. Your Medigap plan is great in that if fills the “gaps” in Original Medicare Part A & B. For example, below is what Original Medicare covers for Part A (Hospitalization) and your coinsurance:

• $1,600 deductible for each benefit period (in 2023)
• Days 1–60: $0 coinsurance for each benefit period.
• Days 61–90: $400 coinsurance per day of each benefit period.
• Days 91 and beyond: $800 coinsurance per each “lifetime reserve day” after day 90 for each benefit period (up to 60 days over your lifetime).
• Beyond lifetime reserve days : All costs.

As you can see on the chart, Plan G for example, will pay 100% of the Medicare Part A coinsurance (this includes the $1,600 deductible).

Medigap Plan N is very similar to Plan G, however, in Plan N, you are subject to doctors office copays of up to $20 per visit and up to $50 copay for ER visit. Plan N is also subject to Part B “excess charges”. (Excess Charges is when the provider does not accept “Medicare Assignment” standard billing).