The first step in choosing the right Medicare Supplement plan is understanding what each plan covers. Medical Mutual offers six Medicare Supplement (Medigap) Insurance Plans, including a high-deductible plan. Like all Medicare Supplement plans, Medical Mutual’s plans are standardized by the federal government.

Finding the best plan for you is easy with our comparison chart. Use the table below to easily see what each plan covers and compare our Medicare Supplement plans side by side.

Please note: only applicants first eligible for Medicare before 2020 may purchase Plan C, Plan F and High-Deductible F.

How to Read This Chart

Our chart outlines what is covered, what’s not and any percentages that apply. Use this key to understand the chart and compare plans:

  • % – If a percentage is listed, the plan covers that percent of the cost
  • Blank – If an item is blank, that means the plan doesn’t cover the cost
Basic Benefits  Plan A  Plan C  Plan F and High-deductible Plan F*  Plan G  Plan N 
Medicare Part A
Hospital coinsurance up to an additional 365 days after Medicare benefits are exhausted 
100% 100% 100%   100%  100%
Medicare Part A
Hospice care coinsurance or copay 
100% 100% 100%  100%  100%
Medicare Part B
Coinsurance or copay 
100% 100%  100%  100%  100%, with some exceptions for copays**
Medicare Part B Coinsurance for Preventive Care  100% 100% 100%  100%  100%
First three pints each year 
100% 100%  100%  100% 100%
 Additional Benefits Plan A  Plan C  Plan F and High-deductible Plan F*   Plan G Plan N 
 Skilled Nursing Facility Care Coinsurance   100% 100%  100% 100%
 Medicare Part A Deductible ($1,364 in 2019)   100% 100%  100% 100%
Medicare Part B Deductible ($185 in 2019)     100% 100%    
Medicare Part B Excess Charges***       100%  100%  
Foreign Travel Emergency (Up to each plan’s specific limit)     80%  80%   80% 80% 
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*With a high-deductible Plan F, you must pay 100 percent of your out-of-pocket costs (coinsurance, copayments and deductibles) until you meet your $2,300 deductible. After you meet your deductible, your Medicare Supplement plan starts paying.

**Plan N pays 100 percent of your coinsurance except for a $20 office visit copay and a $50 emergency room visit copay (for a visit that does not result in an inpatient hospital admission).

***Providers that accept the Medicare-approved amount as payment in full for a supply or service are said to “accept Medicare Assignment.” If you visit a provider that does not accept assignment, you may be responsible for an “Excess Charge”, which is the amount that a provider charges that is above what Medicare will pay. Plan F and High-Deductible Plan F provide coverage for these charges.

For full plan details, please read the Outline of Coverage.

SilverSneakers® Program

In addition to the benefits outlined in the chart above, Medical Mutual also provides access to SilverSneakers membership with all new plans at no extra cost to you. SilverSneakers is an additional member service apart from the Medical Mutual Medicare Supplement Insurance Plan benefits. SilverSneakers is provided by a third party and you can choose to take or not take the service.

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Have a Question? We Can Help!

Speak with a Medical Mutual licensed insurance agent or call your insurance agent.

Call 1-866-406-8777 (TTY 711 for hearing impaired)

Mon.-Fri. 8 a.m. to 8 p.m.

You can talk to a Medical Mutual licensed insurance agent who can answer your questions by calling (866) 406-8777 (hearing impaired TTY/TDD: 711) or call your insurance agent. You can also visit a new window) for more information.

This site contains a summary of benefits only describing our policies’ most important features. It is not an insurance policy or contract.  The medical Mutual Medicare Supplement Insurance policy is the insurance contract. If there is any different between this site and the policy, the provisions of the policy will control.

Neither Medical Mutual nor any of its agents or Medicare Supplement insurance plans are connected with or endorsed by the U.S. or state government, Social Security or federal Medicare program. Individuals who call the phone number listed will speak with a licensed insurance agent.

The policy has exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or Medical Mutual.

Medicare Supplement products marketed by Medical Mutual may be underwritten by Medical Mutual of Ohio and/or one of its subsidiaries, Medical Health Insuring Corporation of Ohio collectively referred to as Medical Mutual. Contact will be made by a licensed insurance agent or insurer. The amount of benefits provided depends upon the plan selected and the premium will vary with the amount of the benefits selected. Medical Mutual is a registered trademark of Medical Mutual of Ohio.

SilverSneakers® is a registered trademark of Tivity Health, Inc.

Page last updated on 9/14/2020