You have guaranteed issue rights to buy a Medigap policy, but the policies are different.
Basic benefits
- Inpatient hospital care: covers the Part A coinsurance plus coverage for 365 additional days after Medicare coverage ends.
- Medical costs: covers the Part B coinsurance (generally 20% of the Medicare-approved amount).
- Blood: covers the first 3 pints of blood each year.
- Part A hospice coinsurance or copayment.
Medigap plans
Core Plan
Covers
- Basic benefits.
- 60 days per calendar year of inpatient days in mental health hospitals.
- State-mandated benefits (yearly Pap tests and mammograms. Check your plan for other state-mandated benefits).
Doesn't cover
- Part A: inpatient hospital deductible.
- Part A: skilled nursing facility coinsurance.
- Part B: deductible.
- Foreign travel emergency.
Supplement 1 Plan
Covers
- Basic benefits.
- Part A: inpatient hospital deductible.
- Part A: skilled nursing facility coinsurance.
- Part B: deductible.
- Foreign travel emergency.
- 120 days per calendar year of inpatient days in mental health hospitals.
- State-mandated benefits including yearly Pap tests and mammograms. Check your plan for other state-mandated benefits.
Compare these plans side-by-side
If a "yes" appears, the plan covers the described benefit 100%. If "no" appears, the policy doesn't cover that benefit.
| Medigap Benefits | Medigap Plans | |
|---|---|---|
| Core Plan | Supplement 1 | |
| Basic benefits | Yes | Yes |
| Part A: inpatient hospital deductible | No | Yes |
| Part A: skilled nursing facility coinsurance | No | Yes |
| Part B: deductible | No | Yes |
| Foreign travel emergency | No | Yes |
| Inpatient days in mental health hospitals | 60 days per calendar year | 120 days per benefit year |
| State-mandated benefits (yearly Pap tests and mammograms. Check your plan for other state-mandated benefits.) | No | Yes |