Medicare Supplements

Medicare Supplements

Medicare Supplement plans are designed to cover some or all of the out-of-pocket expenses Medicare beneficiaries face.

All Medicare Supplements are standardized by the federal government to make benefit comparisons easier.

Insurers can offer any or all standardized plans, but they must offer the core plan A.

All standardized plans include these core benefits:

Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

Medical Expenses: Part B coinsurance (generally 20% of the Medicare-approved expenses).

Blood: First 3 pints of blood each year.


There are numbers of factors to consider before deciding on a Medicare Supplement plan.

Your Needs.  How much coverage will you need now and in the future? Compare the benefits of each plan carefully.

Your Budget. Consider whether you will be able to afford the premiums on the plan you’ve selected.

Cost & Service. Before reaching a final conclusion, consider the overall costs you expect based on your situation.