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Review Plan Details - Medigap

A Medigap, or Medicare Supplement Insurance, policy is health insurance sold by a private insurance company to fill the"gaps" in the Original Medicare Plan coverage.

Insurance companies can only sell "standardized" Medigap policies. These Medigap policies must all have the same benefits so you can compare them easily. Generally, when you buy a Medigap policy you:

Must have Medicare Part A and Part B
Will have to pay the monthly Medicare Part B premium
Will also pay a premium to the Medigap insurance company

A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you must each buy separate Medigap policies.

Plans offered through our affiliate, CareFirst BlueCross BlueShield.*

In Maryland, D.C., and Northern Virginia:

MediGap-65 Plan A
MediGap-65 Plan B
MediGap-65 Plan C
MediGap-65 Plan F
MediGap-65 High-Deductible Plan F
MediGap-65 Plan N

Medigap Plans A through N
Medigap Covers	A	B	C	F*	N
Medicare Part A Deductible		•	•	•	•
Medicare Part A Copays	•	•	•	•	•
Medicare Part A Blood (first 3 pints)	•	•	•	•	•
Medicare Part A Skilled Nursing Facility Care Coinsurance			•	•	•
Medicare Part B Deductible			•	•
Medicare Part B Coinsurance or Copayment**	•	•	•	•	•
Medicare Part B Excess Charges				•
Foreign Travel Emergency (Up to Plan Limits)***			•	•	•
* Medigap Plan F also offers a high-deductible option. You must pay for Medicare-covered costs up to the high-deductible amount ($2,000 in 2011) before your Medigap policy pays anything. After Part B deductible has been met, Plan N members pay up to $20 for office visits and up to $50 for emergency room visits. Emergency visit copay is waived if insured is admitted for a Medicare Part A covered hospital stay. * You must also pay a separate deductible for foreign travel emergency ($250 per year). $50,000 lifetime maximum.

For additional information about Medigap plans, including rates and how to apply, please visit Need to Buy Insurance? on our affiliated site, www.carefirst.com.

If you are within three years of your Medicare Part B effective date, you may be eligible for an Early Enrollment Discount. Please call our Product Specialists for more information at 1-866-241-6442.

Member premiums are guaranteed for one year.

*Neither CareFirst BlueCross BlueShield nor its agents represent, work for, or receive compensation from any federal, state, or local government agency. CareFirst BlueCross BlueShield is a private not-for-profit health service plan incorporated under the laws of the State of Maryland.

SRWEB3 (4/10)

Next, get Medigap rates, and apply, on CareFirst.com

Plan Resources

Additional Information

Medigap policies help pay your share of the costs of Medicare-covered services (co-insurance, copayments, or deductibles).
If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will both pay their shares of covered health care costs.
For more information on Medigap plans, including rates, please visit Need to Buy Insurance? on our affiliated site,
www.carefirst.com.

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