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Best Medicare Supplement Plans in 2019

Whether you’re new to Medicare or have used the Original Medicare parts for years, there are some basic facts that you should know before you start the process of comparing quotes to find the best Medicare Supplement plans in 2019.

Best Medicare Supplement Plans in 2019

There are 10 Medicare Supplement plans for 2019, but they aren’t all offered in every state. Each plan type is designated by a letter and includes standardized benefits that are established by the federal government to protect consumers. The Medigap system is a bit different in Massachusetts, Minnesota, and Wisconsin, so make sure to do some additional research if you live in one of those states.

The majority of seniors securing the best Medicare Supplement plans will select Medicare Plan N, F or G. In 2015, nearly 70 percent of Medigap participants selected Medicare Supplement Plan F. Approximately 12 percent selected Medicare Plan N, and close to 10 percent signed up for Medicare Plans G or D. The CSG Actuarial 5th Annual Market Projection released in 2015 identified a trend of increasing popularity for Plans N and G while the majority of seniors continued to select Plan F. This trend is expected to continue through 2020, when a new regulation will restructure the Medigap system.

It’s highly likely that one of these three Medigap plans will suit your medical needs, so let’s take a closer look at the benefits offered by each.

Best Medicare Supplement Plan F in 2019best Medicare Supplement Plan F 2019

If you want to pay your monthly premium and forget about medical bills, co-pays, and deductibles, you will likely benefit from selecting Medicare Plan F. This is the most comprehensive coverage available today, and it could eliminate all of your medical bills beyond the best Medicare Supplemental plan premium. Take a look at the benefits included in a Plan F policy:

  • Part A coinsurance
  • Up to an additional 365 days of hospital services after Medicare Part, A coverage is exhausted
  • Part A hospice care copays or coinsurance
  • Medicare Part A and B deductibles
  • B coinsurance
  • Part B copays
  • Part B excess charges
  • Coinsurance for care in a skilled nursing facility
  • 80 percent of care received while traveling abroad (plan limits may apply)
  • Up to three pints of blood per year

If you want to receive the lowest possible rates on a Plan F policy, you might consider high-deductible Plan F. The low premiums are attractive but keep in mind that your Medicare Supplement plan won’t start paying your medical bills until you cover that high deductible. The deductible is $2,200 for 2019.

Best Medicare Supplement Plan G in 2019best Medicare Supplement Plan G 2019

Plan F is in the lead when it comes to Medigap popularity, but Medicare Plan G is catching up a little each year. The benefits of Plan G are identical to those listed above for Medicare Plan F, except Plan G will not cover your Medicare Part B deductible. Due to this limit in coverage, this plan typically offers lower premiums.

Many seniors are discovering that they can save money by selecting Plan G and paying their Part B deductible out of pocket. To see if this is an option for you, make sure to secure quotes for both plan types when you compare the best Medicare Supplement plans in 2019 for the best companies online.

There are two questions to ask when determining whether you want to go with Plan G rather than Plan F:

Best Medicare Supplement Plan N for 2019:best Medicare Supplement Plan N 2019

  • Medicare Part A coinsurance
  • Part A deductible
  • Up to 365 days of hospital care after Part A benefits are exhausted
  • Coinsurance and copayments for Part A hospice care
  • Medicare Part B coinsurance with limitations: some doctor’s office visits may require a copay of up to $20, and hospital visits not resulting in admission may require a copay of up to $50
  • Coinsurance for care at a skilled nursing facility
  • 80 percent of medical charges while traveling abroad (plan limitations apply)
  • Up to three pints of blood

This plan differs from Plan F in that it won’t cover your Medicare Part B deductible or excess charges. It differs from Plan G in that it doesn’t cover Medicare Part B excess charges. How much you might pay per year in excess charges depends on how often you visit the doctor. These charges are the difference between what Medicare is willing to pay for services and what your medical provider charge.

Best Medicare Supplement Plan Companies in 2019

All Medigap plans will have standardized benefits as detailed earlier in this guide. This leaves you to compare policies based on prices and the reputation of the best insurance companies offering Medicare Supplemental plans for 2019.

  • Financial strength
  • Company stability
  • Consumer and professional ratings
  • Company history
  • Affiliate brands
  • Pricing

After years of experience and research, we have identified five carriers that we highly recommend to anyone buying a Medicare Supplement planĀ in 2019. Keep reading to learn more about each of these preferred Medigap carriers.

  • Aetna
  • Cigna
  • Mutual of Omaha
  • Florida Blue

Ways To Save On the Best Medicare Supplement Plans in 2019

Are you ready to compare Medicare Supplement plans for 2019? Use our quote form tool to request quotes from leading carriers, and feel free to call us if you prefer to order over the phone with the guidance of a Medicare Specialist.