Medicare supplement insurance (Medigap) plans can help pay some of the out-of-pocket costs not covered by Parts A & B.

All include full or partial coverage for:
• Part A hospital coinsurance
•. Part B coinsurance or copays
• Cost of blood transfusions (first 3 pints)
• Costs for 365 extra hospital days
•. Hospice care coinsurance

Some may also help pay for:
•. Part A deductible
•. Part B deductible*
• Cost of foreign travel emergency care up to plan limits
•. Part A skilled nursing facility care coinsurance

*Not available for those newly eligible in 2020 or beyond

Medicare Advantage (Part C) plans combine Part A and Part B benefits.

Medicare Advantage plans are offered by private insurance companies approved by Medicare. In addition to Part A and Part B benefits, many plans offer:

•. Part D prescription drug coverage
Includes benefits beyond Medicare:
• Hearing exams or hearing aids
• Dental exams, cleaning, x-rays or routine dental care
• Eye exams, eyeglasses or contact lenses
• Wellness benefits such as gym memberships
• Credits for Over-the-Counter Products

*Benefits vary by plan and could include other extra benefits such as transportation to medical appointments and virtual visits

Help pay for out-of-pocket expenses associated with:

• Daily Hospital Confinement
• Amublance Trips
• Cancer
• Dental/Vision
• Short Duration Hospital Stays
• Outpatient Surgery
• Skilled Nursing Facility
• Critical Accidents