What are Medicare Supplement Plans A and B?

Plans A and B are designed to meet your basic needs in addition to Medicare Parts A and B. If you have unexpected medical expenses or need extended hospital care, these plans may help you pay for your additional medical expenses.

Both Plan A and Plan B give you many of the same medical and hospitalization benefits with this distinction:

  • If you choose Plan A, you will be responsible for paying both your Medicare Part A and Part B deductibles
  • If you choose Plan B, you will be responsible for paying your Part B deductible only

Medicare Supplement Plan A

Medicare Supplement Plan A is ideal for people who want more coverage than Medicare Parts A and B, but don’t anticipate using a lot of healthcare services. With this plan, you won’t pay for extra coverage you might not use — but you could have some extra costs from time to time.

Medicare Supplement Plan A provides basic coverage for:

  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance — generally 20% of Medicare-approved expenses — or co-payments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice care: pays Part A coinsurance

Medicare Supplement Plan B

All Medicare supplement B plans provide basic benefits for hospitalization and medical expenses. Besides the basic benefits, this plan adds a little bit more coverage for hospitalization. This plan might be a good fit if you want more coverage than Medicare Parts A and B, especially for hospital expenses.

Medicare Supplement Plan B provides basic coverage for:

  • Hospitalization: pays Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses: pays Part B coinsurance — generally 20% of Medicare-approved expenses — or copayments for hospital outpatient services
  • Blood: pays for the first three pints of blood each year
  • Hospice care: pays Part A coinsurance

In addition to the basic benefits, Plan B also provides coverage for:

  • Medicare Part A deductible for hospitalization

Medicare Supplement Insurance Plans**

Benefits A B C F** G K L N
Same for all people Same for all people Coverage depends on policy but is at least coverage of part A and B Same coverage no matter what company you purchase it from Same coverage no matter what company you purchase it from Same coverage no matter what company you purchase it from Same coverage no matter what company you purchase it from Same coverage no matter what company you purchase it from
Medicare Part A coinsurance and coverage for hospital benefits $20 copay for office visits; $50 copay for ER
Medicare Part B coinsurance or copayment 50% 75%
Blood (first three pints) 50% 75%
Hospice Care coinsurance or copayment 50% 75%
Skilled Nursing Facility Care coinsurance 50% 75%
Medicare Part A deductible 50% 75%
Medicare Part B deductible
Medicare Part B excess charges
Foreign Travel Emergency (up to plan limits)

If you have any questions about any of these plans please call Stephen or Carla at 205-417-5027 if are within the state of Alabama.  If you are outside the state we will be happy to find an agent near you to discuss your options.

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