Plan A
Plan A is the most basic Medicare supplement plan. It covers the Medicare Part A hospital coinsurance and hospital costs for up to 365 days after your Medicare benefits are exhausted. It also covers the Medicare Part B coinsurance or copayment, except for a small copayment for office visits and emergency room visits. Plan A does not cover the Medicare Part A deductible or Part B deductible. It also does not cover skilled nursing facility care coinsurance or the costs of blood transfusions. Plan A is a good option for those who want the most affordable Medicare supplement plan but are willing to pay some out-of-pocket costs.
Plan B
Plan B is similar to Plan A but with some additional coverage. In addition to the benefits of Plan A, Plan B also covers the Medicare Part A deductible. However, it does not cover the Medicare Part B deductible or the costs of excess charges. Plan B may be a good choice for those who want more coverage than Plan A but are still looking for a relatively affordable option.
Plan C
Plan C is a comprehensive Medicare supplement plan that covers a wide range of benefits. In addition to the coverage provided by Plan A and Plan B, Plan C also covers the Medicare Part A and Part B deductibles. It also covers skilled nursing facility care coinsurance, Medicare Part B excess charges, and foreign travel emergency coverage. Plan C offers robust coverage but may come with a higher premium compared to other plans. It is a good option for those who want extensive coverage and are willing to pay a higher premium.
Plan D
Plan D is similar to Plan C but does not cover the Medicare Part B deductible. It provides coverage for the Medicare Part A deductible, skilled nursing facility care coinsurance, Medicare Part B excess charges, and foreign travel emergency coverage. Plan D is a good option for those who don't mind paying the Medicare Part B deductible out of pocket but still want comprehensive coverage. It may offer a slightly lower premium compared to Plan C.