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Medicare Supplement Plan B

Medicare Supplement Plan B

Every Medicare supplement plan is different. Some Medigap plans provide more coverage compared to others. Medicare supplement Plan B is a very basic plan that can leave you with some coverage gaps. Since it offers you less coverage, Plan B will be less expensive when compared to plans with more benefits. Let’s dive deeper into Plan B.

What Medigap Plan B Covers

Medicare Supplement Plan BMedigap Plan B, also known as Medicare Supplement Plan B, provides identical benefits as Medigap Plan A with a little more coverage. Plan B will pay for your Part A hospital deductible which is over a thousand dollars.

This is a big benefit because this deductible will usually go up a bit every year. With Medicare Supplement Plan B, you’ll never stress about this deductible increasing in the future.

  • Medicare Part A Coinsurance & Hospital Costs (Covered)
  • Part A Hospice Care Coinsurance or Copayment (Covered)
  • Medicare Part B Coinsurance and Copayment (Covered)
  • Blood (First 3 Pints) (Covered)
  • Medicare Part A Deductible (Covered)
  • Foreign Travel Emergency (up to plan limits) (Not Covered)
  • Skilled Nursing Facility Coinsurance (Not Covered)
  • Medicare Part B Excess Charges (Not Covered)
  • Medicare Part B Deductible (Not Covered)

What Medicare Supplement Plan B WON’T Cover

Medicare Supplement Plan B does not cover your Skilled nursing facility care coinsurance, Medicare Part B deductible, Medicare Part B excess charges and your Foreign travel emergency (up to plan limits).

Medicare Supplement BenefitsPlan B covers?
Medicare Part A coinsurance & hospital costs (up to additional 365 days after medicare benefits are usedYES
Medicare Part B coinsurance or copaymentYES
Blood (first 3 pints)YES
Part A hospice care coinsurance or copaymentYES
Skilled nursing facility care coinsuranceNO
Part A deductibleYES
Part B deductibleNO
Part B excess chargesNO
Foreign travel emergency (up to plan limits)No

Medigap Plan B & Medicare Part B are Different!

Medicare can get really confusing. Especially when they use the same letters for entirely different things.

Let’s look at the differences of Medigap Plan B and Medicare Part B:

  • Medigap Plan B, also referred to as Medicare Supplement Plan B is a type of insurance designed to cover the gaps of Original Medicare. There are many Medicare supplemental plans to buy. Plan B is just one of them.
  • Medicare Part B refers to Medicare’s outpatient medical coverage. It is bought directly from Social Security.

You need to have Medicare Part B for outpatient services such as lab work, doctor visits, durable medical equipment and more. Keep in mind, Medicare generally pays 80% of these services. A Medigap plan can help pay the remaining 20%.

It’s important to not confuse the two – if you’d like to sort through the differences, give us a call. We’re here to guide you through this process.

Have Questions?

At REMEDIGAP, you’ll get one-on-one help from a licensed Medicare supplement insurance agent. Simply give us a call at 888-411-1329. You can also request free online Medigap quotes here. 

Call (888) 411-1329 for your free consultation today!

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