What Is A Medigap Insurance Policy? 
Medicare supplement plans -LRB- commonly referred to as Medigap plans -RRB- are designed to help seniors who want high quality healthcare and are on Medicare , cover the gap between what hospitals and doctors charge for their services and what Medicare will pay . Health insurance is constantly changing , which can make finding the right plan for you very strenuous . Supplementing your Original Medicare coverage -LRB- Medicare Parts A & B -RRB- with a Medicare Supplement plan will help you create a very predictable expense structure for your healthcare and allow you to see any doctor you want that accepts Medicare . Any doctor that accepts Medicare will also accept your Medicare Supplement plan . Original Medicare -LRB- Parts A & B -RRB- covers appoximately 80 % of your healthcare expenses . Medicare supplements -LRB- or commonly referred to as Medigap -RRB- plans help provide coverage for the other 20 % . There are 10 different Medicare supplement plans and they are all standardized , meaning a plan F from company A and a plan F from company B feature the EXACT the same benefits . The 10 different plans available are plans A , B , C , D , F , G , K , L , M , and N. Each plan offers certain benefits some more comprehensive than others . For example , Plan A offers coverage of only the basic benefits of Medicare Supplement Insurance , while Plan F is the most comprehensive . Plan F also offers a high-deductible version of the plan it is the only plan that offers this feature . Under a high-deductible plan F -LRB- also referred to as Hi-F -RRB- , the insured must pay for Medicare-covered costs up to the years deductible amount $ 2,140 in 2014 before the supplement plan pays anything . The benefit of the high-deductible plan F is that it offers the insured a much lower monthly premium . There are 9 benefits available in Medigap plans : 1 -RRB- Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up 2 -RRB- Medicare Part B coinsurance or copayment 3 -RRB- First 3 pints of blood 4 -RRB- Part A hospice care coinsurance or copayment 5 -RRB- Skilled nursing facility care coinsurance 6 -RRB- Medicare Part A deductible 7 -RRB- Medicare Part B deductible 8 -RRB- Medicare Part B excess charges 9 -RRB- Foreign travel emergency -LRB- up to limits as cited in the plans -RRB- Each plan provides a percentage of coverage for the first 4 benefits . From there , each plan features some or all of the other 5 benefits . Plan F is the most comprehensive benefit as it covers all 9 benefits at 100 % . Plan G is almost identical as it covers 8 benefits at 100 % -LRB- the one it does n't cover is the Part B deductible . Plan N is also very competitive - as long as your primary care doctor accepts Medicare and assignment , your only other payment other than your premium would be the Part B deductible -LRB- $ 147 in 2014 -RRB- and a copay at the doctor 's office -LRB- up to $ 20 per visit -RRB- or hospital -LRB- up to $ 50 per visit -RRB- . I highly recommend downloading a copy of the Medigap guidebook on the Medicare.gov website - the guidebook is titled `` Choosing a Medigap Policy : A Guide to Health Insurance for People with Medicare . '' Agents will have this on hand as well - it 's required to be given to the proposed insured if they decide to apply for a plan . You can send me a private message if you 'd like me to e-mail it to you . I hope the information is helpful - please feel free to contact me for assistance with your coverage including plan quotes and comparisons . Thanks very much . 