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Standardized Medicare Supplement
Insurance Plans

Medicare Parts A and B work together to provide basic medical coverage, but they don't pay for everything. Expenses such as deductibles and coinsurance are still your responsibility.

Medicare supplement insurance plans could help pay for some of the out-of-pocket costs that Medicare Parts A and B don't pay. Medicare supplement insurance plans are offered by private insurance companies and work with the coverage provided through Medicare Parts A and B. A variety of standardized plans are available to meet your budget, and each offer the same basic benefit structure. Benefits and costs vary depending on the plan chosen.

Medicare supplement insurance plans may also help you control your health care because there are no network restrictions. This means you can visit any doctor who accepts Medicare patients, and you can see a specialist with virtually no referrals needed.

Medicare Supplement

More about Medicare Supplement Insurance Plans:

  • In all states, Medicare supplement plans have the same basic benefits. So when shopping for a plan, you can compare one company's "plan F" to another company's "plan F."

Note: Medicare supplement plan options available in Massachusetts, Minnesota and Wisconsin are standardized differently than plans available in the rest of the U.S.

Depending on the plan you choose, Medicare supplement insurance pays:

  • Part A coinsurance, and most plans pay the hospital deductible
  • Some of the out-of-pocket costs not paid by Part B. Some plans also cover the Part B deductible
  • Cost of blood transfusions (first 3 pints)
  • Cost of 365 extra hospital days after you've used up your Part A benefits
  • Skilled nursing facility coinsurance
  • Hospice - Part A coinsurance
  • Respite care

Depending on the plan you choose, you pay:

  • Monthly premium
  • Limited out-of-pocket costs

Want to see the AARP Medicare Supplement Plans available in your state? Click here

Glossary of Terms

Coinsurance: A kind of cost sharing where costs are split on a percentage basis. For example, Medicare Part B pays about 80% and you pick up the rest.

Deductible: A kind of cost sharing where you have to pay a pre-set, fixed amount before Medicare begins to pay for Medicare approved expenses.

View All Terms

Why Choose Medicare Supplement Insurance?

Watch the video below to learn why a Medicare supplement insurance plan may be something to consider.