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Will Medigap Plans Cover Medicare Deductibles?

Medigap covers a large number of benefits that supplement Original Medicare. But what about your Medicare deductibles for Part A and Part B? Yep, they’re covered — let’s take a look.

What is Medigap?

Medigap is often referred to as Medicare supplements. Why? Because they “supplement” your Original Medicare coverage.

There are a lot of costs not covered by Original Medicare. While it’s a robust and extremely beneficial health insurance plan, if you’re looking for a plan that covers everything, Original Medicare alone won’t satisfy you.

There are 10 Medigap plans to choose from, each with its own list of benefits meant to fill in those gaps in Original Medicare coverage — Plans A, B, C, D, F, G, K, L, M, and N.

What Medigap Plans Cover Deductibles

Before diving too deep into what each plan covers, let’s call out the ones you’re most interested in — plans that cover Medicare deductibles. In 2022, the Part A deductible is $1,556, and Part B is $233. This number is only increasing every year, so having coverage to take care of it for you is an incredible benefit.

Every Medigap plan besides Plan A offers some coverage for the Part A deductible. Plans C and F cover the Part B deductible.

If you became eligible for Medicare on or after January 1, 2020, you are not eligible for Medigap Plans C or F. In other words, there are now no options for Part B deductible coverage. However, if you’re still looking for comprehensive coverage, Plan G could be right for you.

Part A Deductible Coverage and Other Benefits

Almost every supplement (besides Plan A) covers the Part A deductible. However, keep in mind that Plans K and M cover 50% of the total deductible, and Plan L covers 75% of it. These plans are for those who want coverage across most of their Medicare expenses but want a lower supplement premium.

Besides covering the Part A premium, these plans may offer many other benefits as well:

  • Part A coinsurance and hospital costs
  • Part A hospice care coinsurance or copayment
  • Part B coinsurance or copayment
  • First three pints of blood for transfusion
  • Skilled nursing facility care coinsurance
  • Foreign travel emergency care

Work with People Who Care — Call Rothrock Insurance Solutions

Your insurance goals and needs are in good hands with us. To figure out your Medicare coverage, call Rothrock Insurance Solutions at 888-828-4060.