The Ahlbum Insurance Group

The Ahlbum Insurance Group is dedicated to helping people find the best insurance solutions for their medical needs and their finances. We know insurance can be confusing and we help you sort it out. We have been able to help many sort out the best solutions for:

  • Medicare Insurance
  • Medigap Insurance
  • Medicare Disability Insurance
  • Life Insurance
  • Long Term Care Insurance

National Association of Medical Supplement Advisors

Medigap Policies

Medigap Plan A

Medicare Supplement Plan A is the least comprehensive of all the available Medigap Plans. Plan A includes all the basic benefits associated with Original Medicare as well as covering 100% of the Part B coinsurance. Plan A should only be taken by individuals who are only looking to cover doctor visits only which falls under Part B. Plan A will not cover any hospital deductibles associated with Medicare.

Medigap Plan B

Medicare Supplement Plan B is a step up in coverage verses a Plan A however still has many gaps in coverage. A Plan B will cover the basic benefits associated with Original Medicare along with 100% of the Part B coinsurance and the Part A Hospital deductible. However Plan B does not offer coverage for: Additional days of Skilled Nursing, the Part B deductible, Part B excess charges or Foreign Travel Emergency.

Medigap Plan C

Medicare Supplement Plan C is one of the most comprehensive Medigap Plans available. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, as well as Foreign Travel Emergency coverage. However the Plan C does not include coverage for the Part B doctor excess charges. With the number of doctors adding these excess charges growing every day and the minimal cost in monthly premium to add this coverage I think Plan C should be taken by few people.

Medigap Plan D

Medicare Supplement Plan D is very similar to Plan C. Like a Plan C the Plan D covers all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, as well as Foreign Travel Emergency coverage. However the Plan D does not cover Part B doctor excess charges or the annual Part B deductible.

Medigap Plan F

Medicare Supplement Plan F is the most comprehensive of all the available Medigap Plans. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. Plan F includes everything you need to be 100% covered. You basically pay your premium each month and will not have to worry about any additional costs for medical services covered by Medicare.

Medigap Plan N

Medicare Supplement Plan N is a relatively new Medigap Plan. The Plan N includes all the basic benefits associated with Original Medicare. The Plan also covers 100% of Part B coinsurance, except up to a $20 co-payment for office visits and a $50 co-payment for emergency room visits. Also included is additional days for Skilled Nursing, the Part A hospital deductible, as well as Foreign Travel Emergency coverage. The Plan N does not include the annual Part B deductible or coverage for the Part B doctor excess. Plan N can be an intriguing plan for seniors depending on the price and how often they go to the doctor.

Medigap Plan HDF

Medicare Supplement Plan HDF also known of High Deductible Plan F is rapidly growing in popularity among the available Medigap Plans. The Plan HDF has the exact same benefits as a traditional plan F. The plan includes all of the basic benefits associated with Original Medicare, 100% of the Part B coinsurance, Additional days for Skilled Nursing, the Part A hospital deductible, the Part B deductible, Part B doctor excess charges, as well as Foreign Travel Emergency coverage. However the Plan comes with a $2,180 annual deductible. So with this plan you are responsible for the 20% Medicare charges up to the amount of the deductible. Once the deductible is met the policy pays everything 100% just like a traditional Plan F. If you stay very healthy and don’t have very many claims during a year then you will save a significant amount of money as the Plan HDF is much lower in premiums from month to month.

View the Official Goverment Guide:

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare