Medicare Supplement Plan B - Medigap

Additionally, in Part B your hospital deductible is not an Annual deductible, this means each time you go in the hospital you will pay a per-incident deductible. Medicare Supplement Plan B will pay the deductible even if you use it a few times in the same year. See the example below:

Amy has a pulmonary condition that causes her to stay overnight in the hospital in February. Then in May she is admitted again in for the same condition. Because her hospital stays are more than 60 days apart, she would normally have to pay the $1,408 deductible two times. A total of $2,816.00

Thank goodness Amy has a Supplement Plan B policy. Her Supplement Plan B will pay both deductibles for her. Guess how much she owes to the Hospital and her semi-private room during her 2 stays? $0

Supplement Plan B however, does not cover things like skilled nursing facilities, Part B excess charges and foreign travel emergencies. Amy could consider one of the other Medicare supplements that cover the hospital deductible and these things, such as Plan G or N. Supplement Plan B is just one of the many different supplements you can purchase to help offset your medical expenses. Remember that Plan B it is not the same as Part B, which is your outpatient medical coverage that you purchase directly from Social Security. People must have Part B for outpatient coverage, and then they still need a supplement to help them pay for the 20% that original Medicare doesn’t cover. It’s very important to understand the difference before you make an insurance choice.