In some states, you may be able to buy another type of Medigap policy called Medicare SELECT. It’s a Medigap policy that requires you to use specific hospitals and, in some cases, specific doctors to get full benefits.
A Medicare SELECT plan pays the Medicare Part A inpatient deductible when you use a network hospital or if you use a non-network hospital for emergency care. Otherwise, you pay the inpatient deductible.
The following chart provides a checklist of benefits by each plan so you can compare (not all plans may be available in your state). All plans include these basic benefits:
- Medicare Part A hospital coinsurance
- Medicare Part A extended hospital coverage (365 days after Medicare benefits end)
- Medicare Part A hospice outpatient prescription drug co-payment and inpatient respite care coinsurance
- Medicare Part B coinsurance*
- Medicare Parts A and B first three pints of blood
| Benefits | Plan A | Plan B | Plan C | Plan D | Plan F** | Plan G | Plan K | Plan L | Plan M | Plan N* |
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| Basic Benefits – Hospitalization |  |
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| Basic Benefits – All other | |
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50% | 75% | |
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| Medicare Part A Deductible*** | |
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50% | 75% | 50% | |
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| Skilled Nursing Coinsurance | |
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50% | 75% | |
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| Medicare Part B Deductible | |
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| Medicare Part B Excess Charges Benefits | |
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| Foreign Travel Emergency | |
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| Out-of-pocket Annual Limit | |
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| If you have questions and would like to schedule an appointment, call toll free (800) 931-8908 or Contact Us | ||||||||||
* Plan N requires up to a $20 copayment for an office visit and up to a $50 copayment for an emergency room visit
** There is also a high-deductible Plan F
*** Your Medicare SELECT plan pays the Medicare Part A inpatient deductible when you use a network hospital (or if you use a non-network hospital for emergency care). Otherwise, you pay the inpatient deductible.
