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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 (offered through CareFirst of Maryland Inc.):

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

In D.C. and Northern Virginia (offered through Group Hospitalization and Medical Services Inc.):

• Supplement-65 Plan A
• Supplement-65 Plan C
• Supplement-65 Plan F

Medigap Plans A through F
Medigap Benefits	A	B	C	F**
Medicare Part A Deductible		•	•	•
Medicare Part A Coinsurance and Medigap Coverage for Hospital Benefits	•	•	•	•
Medicare Part B Deductible			•	•
Medicare Part B Coinsurance or Copayment	•	•	•	•
Blood (first 3 pints)	•	•	•	•
Skilled Nursing Facility Care Coinsurance			•	•
Medicare Part B Excess Charges				•
Foreign Travel Emergency (Up to Plan Limits)**			•	•
Part B Coinsurance for Medicare Preventive Care	•	•	•	•
** 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 2009) before your Medigap policy pays anything. *** 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.

*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.

SRWEB (8/09)