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2018 Medicare Supplement Insurance Plans

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Comparing Medicare Supplement Plans

Our independent agency offers Medicare Supplement insurance plans direct from several highly rated carriers. Our quotes and information are accurate and unbiased. We can help you shop for the lowest rates for 2018 with the most dependable Medigap carriers in your state.

Medicare supplement insurance is only offered from private insurance companies. Prices are controlled by law, so your rates will be the same no matter your source of purchase. Using a brokerage like ours eliminates the hassle of calling each company on your own. We offer their rates direct to you at no additional cost. We also provide important information about discounts, renewal history, rate stability and customer service.

2018 Medicare Supplement Insurance Benefits & Gaps

Supplement Plan:    A        B        C         D         F         G         K         L         M         N*    
Part A Hospital Coinsurance✔✔✔✔✔✔✔✔✔✔
Lifetime Reserve✔✔✔✔✔✔✔✔✔✔
365 Hospital Days✔✔✔✔✔✔✔✔✔✔
Parts A and B Blood✔✔✔✔✔✔50%75%✔✔
Part B Coinsurance✔✔✔✔✔✔50%75%✔✔
Hospice Coverage✔✔✔✔✔✔50%75%✔✔
Skilled Nursing✔✔✔✔50%75%✔✔
Part A Deductible
Part B Deductible
Part B Excess✔✔
Foreign Travel Emergency✔✔✔✔✔✔✔
Preventive Care✔✔✔✔✔✔✔✔✔✔
2018 Out of Pocket$5,240$2,620

Key: A ✔ means the benefit on the left is covered by the corresponding supplement up top. For example, Plan F checks all boxes and fills in all gaps in Medicare Parts A & B.

*Plan N has a $20 copay for office visits and $50 copay for ER visits.

Most Popular Medicare Supplements: Plans F, G & N

Medicare Supplement QuotesIn our experience, the most commonly purchased Medicare supplement insurance policies are Plans F, G and N.

These three are popular because they cover most gaps and are offered by several competing carriers. This competition helps to keep premiums low for new enrollees and those who are shopping for better rates.

Plan F is the most comprehensive plan available and therefore the most popular. Traditional Plan F covers all deductibles, copays and coinsurance not covered by Medicare, but it is also the most expensive.

However, recent legislation was passed that eliminates the sale of any Medicare supplement that covers the Part B deductible starting in 2020. This includes Plans C, F and High Deductible F. Our agency is now seeing increased interest in Plans G and N due to this change.

Plan F also comes in a high deductible version that has a $2,240 deductible for 2018. It was $2,200 in 2017 and $2,180 in both 2016 and ’15. This deductible must be met before the High Deductible Plan F supplement will pay benefits, but Medicare still pays its portion as it normally would. HD Plan F rates are the lowest available in most states and are easily distinguishable from traditional Plan F.

Watch Our Presentation Explaining The Various Plans

We represent a long list of insurance companies so shopping and comparing is a cinch. Our partners include: Aetna, American Continental, Anthem Blue Cross & Blue Shield, Bankers Fidelity, Central States Indemnity, Cigna, Combined Insurance, Equitable, Gerber Life, Humana, Liberty Bankers Life, Manhattan Life, Medico, Medical Mutual, Mutual of Omaha, Sentinel, Standard Life, Transamerica, United American, United Healthcare (AARP) and several others.

We also have written a two-part series that asks and answers the most common questions we encounter about Medicare supplements. This is a great place to start learning about Medigap insurance. You can access it here:

Supplemental Insurance Plans G And N Offer Good Value

Plan G is popular as it fills in all gaps in Original Medicare except for the small Part B deductible. For 2018, the Medicare Part B deductible is only $183 – the same as 2017. Plan G premiums can be up to $20 a month less than Plan F which makes Plan G a financially smart choice.

Like Plan G, Plan N does not cover the one-time, yearly Part B deductible. Additionally, it’s the only plan with office copays: A maximum of $20 for any type of doctor and $50 for the ER. Finally, Plan N does not cover Part B Excess Charges, but these are hardly ever encountered. Plan N is a great value when comparing benefits and monthly premiums, however. In many areas, it costs well under $100 a month.

Note: Some insurance carriers also offer a Select version of Plans C, F, and N. In exchange for lower rates, Select plans require the use of a predetermined network of doctors and hospitals for routine (non-emergency) services. Owners of Select Plans C, F, & N are not restricted to networks for emergency services however.

Did you know:

  • Nearly 11,000 people are turning age 65 daily for the next 12 years
  • Plan F is the most popular Medicare supplement with close to 40% enrollment
  • There are approximately 45 million people enrolled in Medicare
  • By 2030, nearly 20% of the population will be 65 or older
  • Medicare can charge you more for Part B and Part D based on your income
  • Part B premiums can vary if you’ve deferred Social Security

Part D Prescription Drug Coverage Enrollment

By rule, there are no Medicare supplement insurance plans sold today that cover prescription drugs. Part D drug plans must be purchased on a stand-alone basis and cannot be bundled with your supplement. It’s wise to shop for Part D plans independently of your Medicare supplement insurance to reduce costs.

We help our Medigap clients shop and compare drug coverage so as to find coverage that best suits their needs. There is no charge for this service with us. There is also a very good tool at the Medicare.gov website called Plan Finder that can help you compare plans and prices.

Contact Us To Compare Quotes, Benefits & Renewals

Hyers and Associates is an independent insurance agency specializing in Medicare supplement insurance plans. We license with all of our carriers direct – and offer all of our plans at no additional cost to you.

Contact us today to compare 2018 Medicare supplement insurance quotes and benefits from several carriers side by side.