Are Medicare Supplement Plans Different For Each State?

If you’re considering adding a Medicare supplement plan to your original Medicare coverage, you may be wondering how it is done and whether the benefits will differ by state. The simple answer is usually no. Most states offer up to 10 Medicare Supplement plans that provide standardized benefits which are exactly the same for each type of plan (labeled A through N),  irrespective of where you live.


So, if Plan F is available in your zip code, each Plan F will have the same coverage, regardless of which insurance company offers it (although the premium cost may vary). Keep in mind that insurance companies do not have to sell every type of plan, so the available plans in your county or zip code may depend on your location.


What are Medicare supplement plans?


Medicare supplement plans are offered by private insurance companies and can help you pay for certain costs that are not covered by Original Medicare. These one-off costs may include Medicare deductibles, co-insurance, and hospital or qualified care costs after you have used up your Medicare insurance. Medicare supplement plans are only available to people who already have Medicare Part A, which contributes to the payment of hospital services, and Part B, which contributes to the payment of medical services. Medicare Supplement coverage works only in conjunction with Original Medicare. It cannot be used in covering the premium of the Medicare Advantage Plan.


What Medicare supplement plans are available in your state?


Your medical costs and needs will determine your choice of the right Medicare supplement plan. Most beneficiaries with high deductibles may find it useful to fill in the gaps in the original Medicare coverage with a Medicare supplement plan.


As noted earlier, in 47 states, the 10 Medicare supplement plan options are tagged by the letters: A, B, C, D, F, G, K, L, M, and N. A Plan F also provides a high deductible option.


Remember that not every plan is available at every locality. Therefore, it is important to determine the plan options for your country and zip code. Once you have narrowed down the desired plan type, you can easily compare the insurance companies and the premium costs to find the plan that best suits your budget and situation, as the coverage is the same.


Although coverage for each plan letter type is the same, there are some key differences in Medicare supplement plans offered by insurance companies:


What plans does the insurance company offer?


Each company selling Medicare supplement plans must offer Plan A together with either Plan F or Plan C. No insurance company has to offer all 10 standardized Medicare supplement plans. In addition to the standardized services, some insurance companies offer additional services.


What premium does the insurance firm charge for her Medicare Supplement plans?


How insurance firms set their premium.


Some companies set up the premium cost according to their age when enrolling in the plan (referred to as “issue-age plans”) or your current age (“attain-age-rated plans”). Other companies charge the same premium to all plan members regardless of age.