Medicare Supplement Plans Comparison Chart 2021

Because there are so many different kinds of Medicare Supplement plans, seniors will want to take the time to look through their different options and compare them. We have made this process very simple for most people, using a Medicare Supplement plans comparison chart for 2021.

The information here is updated to reflect current coverage and what is expected of the Supplement plans for the coming year. We are not expecting any changes to the coverage for 2021, so the coverage available for 2020 is current and accurate information for those looking to enroll by the end of this year to start receiving Medicare supplementary coverage by the beginning of next year.

We will update our site with any changes to the available information as they occur. We want to tell you about what Medicare Supplements are offering and how you can enroll in one for 2021.

Medicare supplement plans comparison chart 2021

How Medicare Supplements Will Cover You for 2021

Like we said, no one is expecting the medical benefits of the Supplement plans to change at all for 2021. Medicare hasn’t announced any upcoming changes, and it is entirely up to them whether the coverage changes and when it will change.

That being said, we want to talk about what these plans can cover for you. They provide some great medical benefits that you can’t necessarily get from other insurance plans. They are specifically designed to fill in those gaps in coverage left by the Original Medicare plan.

medicare supplement

Medicare Supplements take care of those costs you pay every time you have to visit the doctor’s office, the hospital, the emergency room or some other healthcare facility. These copayments would have to come out of your pocket otherwise, but the Medicare Supplements cover them for both Medicare Part A and Part B.

They also cover the annual deductibles. These are expenses you have to pay before you can get any coverage from Original Medicare for Part A or Part B services. The Part A annual deductible costs an impressive $1,408, while the Part B one will only be $198.

Medicare Supplements can also take care of the cost of foreign travel exchange for you, which is what you pay when you need to be transported outside the US in a medical emergency. You can get coverage for up to 80% each incident with a Medicare Supplement, and you’ll be able to enjoy coverage of as much as $50,000 over your lifetime.

The Supplements can also cover you for nursing care costs, for hospice expenses and for Medicare Part B excess charges (for when you go outside of Medicare’s network for doctor’s visits). Even the blood you use each year can be covered. The Original Medicare plan provides you with some coverage for blood used during surgery and for other medical procedures, but it asks you to pay for the first three pints each year. The Supplement plans typically cover those initial three pints for you.

Medicare Supplement Plans Comparison Chart 2021

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The Best Supplement Plans for 2021

Supplemental insurance is varied enough that there is likely a Supplement plan that is right for everyone. Whether you want high or low coverage, Medicare has designed a Supplement plan to fit your needs, filling in those gaps in coverage that are most important to you.

We want to talk about the very best of these plans, or the ones that benefit more people than any other Supplement plan. That doesn’t mean the ones we will talk about will be right for you, but there is a good chance that they are your best options or at least ones that are relevant to you and your situation.

Plan G offers you exceptionally high coverage, taking care of medical expenses better than just about any of the other Supplement plans. It is very powerful, and that is why so many seniors sign up for it. In fact, more people sign up for Plan G every year than for any other Supplement plan. With Plan G covering you, you shouldn’t have to worry about paying for any copayments, excess charges, coinsurance or foreign travel exchange. The Part A deductible will be covered as well, along with any blood you need to use for the year. That’s almost full supplemental insurance coverage for you, so it’s no wonder people like how comprehensive Plan G is.

Plan N is a slightly more restrained plan. It doesn’t offer all the powerful and nearly complete coverage of Plan G, but that not necessarily a bad thing. In fact, we think it is a more economical option. Plan N will cover all the Part A expenses like the deductible, the copayments and the hospice coinsurance. It also covers the blood that you use and the nursing care costs, along with foreign travel exchange expenses. It even covers some of the Medicare Part B copayments, but not all of them. It leaves a few of the Part B expenses for you to pay, like the excess charges and the Part B annual deductible. Still, the coverage it does provide is focused on the kind of expenses that most people really need coverage for. It’s a sensible plan that covers the essentials, and that’s what we like about Plan N. Even better, it is often very affordably priced.

We also want to tell you about a Supplement plan that is not a very good choice but that lots of people know about and may be trying to enroll in. That would be Supplement Plan F. If you look at the Medicare Supplement plans comparison chart for 2021 here, you will see that Plan F covers absolutely all of the supplemental expenses. That is impressive, but that doesn’t mean it is a good plan to go for. In fact, most seniors can’t even enroll in it. They would not be able to access this plan unless it is already their insurance plan. What we mean is that this a delisted plan. When it was delisted, those that were still signed up with Plan F could keep Plan F. No one else would be able to enroll in it after the delisting, though. It’s still being offered by insurers all over the country, but only as a renewal and not as a new signup. The reason we say that Plan F is a poor choice for many seniors is because it offers slightly more coverage than Plan G at a much higher price, on average. It simply isn’t worth the added cost to get that small amount of extra coverage.

medicare supplement

Medicare Supplement Plans Comparison Chart 2021

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Who to Buy Your Supplement Plan from in 2021

One of the more important decisions you will make about your health insurance plan is where to purchase it from. You want to be careful about which insurance provider you choose, as not all of them offer you great benefits, financial stability, good prices or even a good customer service experience.

humana

Humana

If you want to enroll with a medical insurance company who shows their care for you through their actions, then Humana is one you should definitely consider. They have some great perks and a lot of focus on healthy living for their customers. They make it easy to take care of yourself, thanks to their free gym membership, dieting plan and exercise regimens that they offer their customers.

cigna

Cigna

Cigna operates internationally, giving its members coverage just about anywhere in the world. They also have a strong lineup of Supplement plans and will be able to give you plenty of value for your money. They do this by offering some decent perks and by keeping their prices competitive.

aarp

AARP/United Healthcare

When these two companies formed a partnership a few years ago, they created the largest insurance provider in the country. As such, they are very financially stable, have plenty of resources and connections to draw from, and offer a wide range of membership benefits that won’t cost you anything extra. You can benefit from signing up with them just for all the extra stuff that they do for you beyond their great lineup of Supplement plans.

mutal of omaha

Mutual of Omaha

You probably know about this insurance company. They have been in business for a very long time, after all, and they were even selling Medicare plans at the start, when Medicare was first being offered. They are most well known for their good relationship with their customers, which is important if you are going to stay with the same insurer from one year to the next.

Medicare Supplement Plans Comparison Chart 2021

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Enrolling in a Medicare Supplement

Are you interested in getting a Medicare Supplement to cover your medical expenses better? You can do that if you are 65 or older. Age 65 is when you first become eligible for Medicare Supplements, as well as for any kind of Medicare plan. You can start applying a much as three months before you turn 65. Three months after that birthday month will be the end of the enrollment period, and you want to try to sign up somewhere in there. That’s because Medicare requires any insurance company you apply with to accept your application. They also cannot charge you a higher than normal rate because they perceive you as a risk. If you have some preexisting medical condition, you could be seen as a risk by some of the insurance companies.

There is a later sign up window as well, and that starts on October 15th and runs until December 7th. This annual enrollment period will come around once a year (as the name suggests). Just keep in mind that if you are enrolling during the annual enrollment period rather than the open enrollment period, you could be paying a higher price on monthly premiums. You may even be denied a Medicare Supplement if you apply at this time. You are not guaranteed approval. If one insurance company turns you down, though, you can apply elsewhere and maybe get through. Feel free to talk to us if you are having trouble enrolling in the plan that you want or if you just have some questions about Medicare Supplements. We will be glad to help you.

Comparing the Supplement Plans

medicare supplement

Medicare Supplements offer so many different coverage options to seniors, and it can get confusing and overwhelming for some people to try to sort through all of that. The Supplement plans are compared for your convenience here on this page, on the chart. However, you also want to compare the cost of these plans. You can do that using our site. We have a free search tool that lets you source a bunch of quotes all at once. You can see how the different insurance providers price their plans and how the different plans are priced. This will help you to understand which ones are giving you some good deals and which ones are simply too expensive for your financial situation and your needs.

The prices are not going to stay the same from 2020 to 2021. You’ll want to check the rates again as we get closer to the upcoming year. You should make certain that you have the best price and that you are not overpaying for medical insurance. Many seniors miss out on some good deals because they don’t compare rates on Medicare Supplements. Finding the best price can mean the different between just managing to pay your medical bills and saving hundreds of dollars a year on healthcare.

The Medicare Supplement plans comparison chart for 2021 that we have put together for you here should help you as you try to find a plan that fits your needs. It gives you detailed information about each of the Supplement plans, and it should make it easier to find one that is a good fit for your circumstances. If you have any further questions, though, feel free to get in touch with us. We are happy to help you out and provide expert advice on health insurance to make it easier for you to make an informed decision.

Medicare Supplement Plans Comparison Chart 2021

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