We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Learn More About 
Learn More About 
Learn More About 
Learn About Your The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) changes some of the Medicare supplement plans people new to Medicare can purchase.
The rule says that as of January 1, 2020, newly-eligible Medicare beneficiaries won’t be able to purchase Medicare supplement plans that cover the Part B deductible. These are Medicare supplement Plans C, F, High-Deductible F and Minnesota and Wisconsin Part B deductible coverage.
For MACRA purposes, “newly-eligible” people are those who become eligible for Medicare on or after January 1, 2020.
Your plan options covering the Part B deductible don’t change. That is, Medicare supplement Plans C, F and High-Deductible F will still be available to you where offered.
If you currently have a Medicare supplement insurance plan:
When you select Original Medicare for your health care coverage, you’ll be able to choose from many Medicare supplement plans available where offered. Benefits will vary, but no plan will cover the Medicare Part B calendar-year deductible ($185 in 2019).
Information provided by Mutual of Omaha.
Choosing the right Medicare Supplement (Medigap) plan is a critical decision for ensuring comprehensive healthcare coverage. With various options available, understanding how to compare policies effectively is key. Here’s a guide to help you navigate the process.
Medigap policies are standardized, meaning that each plan (designated by a letter, such as Plan G or Plan N) offers the same basic benefits regardless of the insurance company selling it. For example, a Plan G from one company provides the same medical coverage as a Plan G from another. This standardization simplifies the comparison process, allowing you to focus on other important factors.
While the benefits for each plan letter are the same, it's important to note that Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans.
When comparing Medigap plans, consider the following:
Navigating the complexities of Medigap can be challenging. At Emerson Insurance, we specialize in helping individuals find the right Medicare Supplement plan for their unique needs and budget. We can provide you with:
Contact us today at 903-592-8100 or toll-free at 800-533-0653 to get started. You can also request free quotes online.
Get Fast Free QuotesNote: The Medigap policy covers coinsurance only after you've paid the deductible (unless the Medigap policy also pays the deductible).
The chart below shows basic information about the different benefits Medigap policies cover.
No = the policy doesn't cover that benefit
% = the plan covers that percentage of this benefit
N/A = not applicable
| Medigap Benefits | Medigap Plans | |||||||||
| A | B | C | D | F* | G | K | L | M | N | |
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100%*** |
| Blood (first 3 pints) | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled nursing facility care coinsurance | No | No | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% | 100% | 50% | 75% | 50% | 100% |
| Part B deductible | No | No | 100% | No | 100% | No | No | No | No | No |
| Part B excess charges | No | No | No | No | 100% | 100% | No | No | No | No |
| Foreign travel exchange (up to plan limits) | No | No | 80% | 80% | 80% | 80% | No | No | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $5,880 | $2,940 | N/A | N/A |
* Plan F also offers a high-deductible plan in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount determined by Medicaid, before your policy pays anything.
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
Get Free Quotes Today!
"Wade and Terry, thank you both for all your help in getting my Medicare insurance mysteries solved!"
- Carole W.
"Thank you, David, for taking such good care of my family. My parents and I appreciate having such a good agent that we feel we can always rely on."
- Cheryl D.
Due to the 2003 Medicare Modernized Act, which went into effect in June 2010, there were some changes regarding the standardized Medicare Supplement Plans. These changes did not affect Medicare beneficiaries who are already enrolled in a Medigap Plan prior to that date, and only apply to people who enrolled effective June 1, 2010 and after.
Learn More About The 2003 Medicare Modernization Act© 2025 Emerson Insurance Agency, Inc.
Website by GroupM7 Design™
