Medicare Supplement Plans 2021
Well, 2021 is now upon us and finding the top Medicare Supplement plans for 2021 is now easier than you might think!
Medicare supplement plans that offer the most benefits and coverage for 2021 are going to be Medigap Plan G, Plan N, and Medigap Plan D.
Below you’ll read about the differences in the coverage of each for 2021 to help you choose the right plan, and we’re always here to help.
Medicare Supplement plans for 2021 can provide you with coverage that makes medical care affordable and that gives you peace of mind about your state of health.
Medicare Supplement Plans Comparison Chart 2021
The list of available Supplement plans for 2021 is ten plans long, and each of those has its own set of coverage.
It’s unlikely you would ever end up enrolling in most of these plans, in fact, the list is too long! There are only a few plans that most people enroll in.
In this article I’ll discuss the most popular plans that you will likely enroll in, due to their outstanding coverage and relatively low premiums.
These are the ones that most people will be signing up for in 2021 and that will save them the most money.
Which Medigap Plans in 2021 offer the Best Coverage?
With 9 different plans to choose from for new beneficiaries, the most important thing to remember is that each company offers identical coverage within each plan letter.
This means that a Plan G from say, Mutual of Omaha, is identical to Plan G from Aetna.
Medicare Supplement Plans in 2021 include:
- Coverage for Medicare Part A coinsurance
- Part B Medicare coinsurance
- The First three pints of blood in transfusions
- Hospice care under Part A including copayments and coinsurance
- Coinsurance for skilled nursing facilities
- Medicare Part A deducdtible
- Part B excess charges (depending on the plan)
- Emergency travel benefit
What are the Top Medicare Supplement Plans for 2021?
Those who are new to Medicare on or after January 1st of 2020 may not enroll in a Medigap Plan F. This plan offers 100% coverage of the gaps, however it’s very expensive.
The best Medicare supplement plans in 2021 for nearly everyone, including those eligible for Medicare prior to January 1st of 2020 are:
- Medicare Plan G will by far be the most popular Medigap plan for 2021.It offers 100% coverage just like Plan F, after you pay the annual Medicare Part B deductible yourself each year.
- Medicare Plan N offers great coverage that is similar to Plan G but has lower monthly premiums.With Plan N you still must pay the annual Part B deductible, however afterward you might have a small co-payment per doctor’s visit. This will never be more than $20 however.
- Medicare Plan D is just like Plan G where you just have the Medicare part B deductible to pay each year.The only other difference is with Medigap Plan D it does not cover what are called Medicare Part B excess charges. This is when doctors can charge up to 15% extra if they do not accept Medicare Assignment.Most doctors do in fact accept assignment, so just ask yours if they do.
We can help you choose which plan meets your needs best. Just call us now at 1-888-891-0229 or fill out the form to the right to see instant quotes online for Medicare Supplement Plans for 2021!
Best Medicare Supplement Plans 2021
The list of available Supplement plans for 2021 is ten plans long, and each of those has its own set of coverage.
Many of the plans aren’t worth enrolling in as they offer less coverage and cost nearly the same as the most popular plans.
Therefore we’ll discuss the plans that you are most likely to enroll in. These offer great coverage, are the most popular, and have relatively low premiums each month.
These are the ones that most people will be signing up for in 2021 and that will save them the most money.
Medicare Plan G
This is the current top plan and the one that more people will choose in 2021 than any other.
And there is good reason for that. Medicare Supplement Plan G is practically brimming with coverage for healthcare expenses.
It can cover the majority of the supplemental expenses and services for you, making it a high coverage plan.
It’s actually the highest coverage of the available Supplement plans, so if you want a lot of coverage, then this is the plan for you.
Medicare Plan G pays 100% of the gaps in Medicare, except for the annual Part B deductible. In 2020 this amount is $198 and will go up slightly in 2021.
This deductible is paid once per year, and it resets each January. After you meet the deductible, you will get 100% of the rest of the gaps paid with Plan G for the rest of the year!
Medicare Plan N
When Plan G is too much coverage for you or simply costs too much, then you should consider Plan N instead.
It covers a bit less, and we want to compare these two plans for you so that you can see how they stack up.
It is fair to say that Medicare Supplement Plan N is going to cover you for all the same stuff as Plan G, except for a few minor expenses.
Plan N does not cover you for the Medicare Part B excess charges, and that’s not usually a problem, since that is an uncommon expense.
It also does not cover some of the smaller copayments for Medicare Part B.
You will have to pay the copayments of $20 and $50 respectively for each visit to the doctor’s office or the emergency room.
All the other supplemental items listed under Plan G are covered by Plan N, so the two are quite similar.
Plan N is simply cheaper and slightly lower coverage.
Medicare Supplement Plan F
This is not a Supplement plan that is available anymore.
It isn’t being sold to the general public, and yet some people are still going to be covered by Plan F in 2021.
It’s an odd plan in that it was discontinued but anyone who had it and didn’t cancel it could actually renew it for the next year.
What this means for most people is that they cannot sign up for Plan F if they don’t sign up for it already.
What this means for those who have Plan F is that they can continue to receive its coverage, but they need to be prepared for serious price hikes.
With no new subscribers joining the plan, it will fall to the current subscribers to absorb all the 
cost of this plan. That means major price increases in a short amount of time.
Plan F covers all supplemental expenses.
You can basically just look at Plan G’s list and add the Medicare Part B deductible onto that.
This makes it a full coverage plan, but most people don’t need to have the Part B deductible covered for them.
That deductible only costs $185 a year, as of right now.
That price could change slightly in 2021, but it is still probably not enough to justify going with Plan F over Plan G or Plan N.
Plan N does not cover you for the Medicare Part B excess charges, and that’s not usually a problem, since that is an uncommon expense.
It also does not cover some of the smaller copayments for Medicare Part B.
You will have to pay the copayments of $20 and $50 respectively for each visit to the doctor’s office or the emergency room.
All the other supplemental items listed under Plan G are covered by Plan N, so the two are quite similar.
Plan N is simply cheaper and slightly lower coverage.
The Top Medicare Supplement Companies
Medicare Supplements are all sold by private insurance providers. These are companies that have their own rates and their own lineups.
They can choose which of the nine Medicare Supplements they want to offer, and their lineups and prices can change annually.
Let’s look at some of the top insurance carriers that operate nationwide and sell Supplement plans.
Mutual of Omaha Medicare Supplement
With Mutual of Omaha as your insurance provider, you will enjoy some competitive rates and some great customer service.
This is a company that has made a great reputation for itself over the years, and they have been around for a long time as well.
Mutual of Omaha offers all sorts of insurance plans besides supplemental insurance, so you can get all of your coverage in one place, if you wish.
Aetna Medicare Supplement
Aetna’s insurance plans cover the entire range of dental, family pharmacy and supplemental plans.
They tend to offer a lineup that is made up of the most popular and in-demand coverage plans.
So, you should find what you are looking for with them.
Aetna makes it really easy to stay on top of your insurance plan by making all your information accessible on the go.
They also make it simple to stay in touch with doctors whenever you need help or have questions to ask, and they allow you to look up drugs and perform other helpful tasks right through your Aetna app or website login.
Cigna Medicare Supplement
This major insurance provider offers a robust lineup of plans, and it does a good job of making its health insurance affordable for everyone.
The company is dedicated to promoting healthy living and is working with several organizations that encourage healthier lifestyles.
They offer dental, pharmacy and Supplement plans, and they make great providers for seniors in any part of the country.
United Healthcare Medicare
As an AARP and United Healthcare subscriber, you will enjoy access to the largest set of member benefits available.
These two companies are offering a lot of services, and they are partnered with one another to provide even more to their customers.
AARP is senior focused, primarily, and they have been selling Supplement plans for a long time.
United Healthcare has partnerships and agreements with numerous medical professionals, pharmacies and medical facilities around the country, which allows them to offer special services and discounts that other providers cannot.
Humana Medicare Supplement
Humana is very customer focused, and that shows in the sterling customer service reputation.
They offer modern conveniences like mobile apps that let you access your benefits and coverage on the go.
They also promote healthy living and provide personalized training and diet plans that help people to stay fit and live well.
Accendo Medicare Supplement
There is a new Medicare supplement plan available from a company called “Accendo”.
These plans will be available on March 13, 2020 and the initial states it will be available in are: AR, AZ, GA, IA, IL, IN, MI, MS, NC, NE, NJ, OK, PA, SC, AND TN. DE, TX, and WI residents will be able to enroll on April 25, 2020.
To get a quote and to learn about this new carrier call 888-891-0229.
Medicare Advantage Plans 2021
There will be seniors for whom Medicare Supplements are simply not a good fit.
Perhaps they cost too much or cover the wrong kinds of medical expenses to meet a particular person’s needs.
If that is the case, Medicare Advantage plans in 2021 can be a good alternative.
These kinds of plans offer extensive coverage that takes care of all the Original Medicare coverage, as well as cover for emergency services, urgently needed services and sometimes prescription drugs and checkups.
Medicare Advantage plans are sold by many of the same insurance companies that sell Medicare Supplements.
The Advantage plans do not have a standard price either, so the prices will vary based on who is selling the plan, how much the plan covers and where the plan is being sold.
Medicare Advantage plans, unlike Supplements, are limited to the network of the insurance company that sells them.
Going outside of the network for healthcare services means that you will not be fully covered by your insurer and your plan.
Medicare Supplement Cost
Medicare Supplements, or any kind of medical insurance plan, will be sold at different prices.
How do you know if you are getting a good price or if you are overpaying for coverage that you could get elsewhere for cheaper?
This is especially important to ask with Supplement plans, since they all have standardized coverage.
It makes sense to go for the cheapest version of the plan you can find, so long as the insurance company that sells them is offering you some decent benefits.
In order to find out who has the cheapest prices, you would have to source quotes from all of the providers that are active in your area.
Let Us Help & Shop the Rates!
That could be a lot of work for you if you were to go from one insurance company to the next requesting quotes.
It could take a long time and even result in inaccurate information, since the rates change often.
It would be better to simply use our website and source quotes using our free service.
This saves you money and allows you to see multiple quotes all at once.
You will be able to easily determine who has the best price.
This is a completely free service, and it comes with absolutely no obligation to you.
All you have to do is pick the Supplement plan you want to search for on our site, and you will get results back in matter of moments.
These are accurate, up-to-date prices that reflect your local area.
We base the results on your zip code, ensuring you get quotes that you can actually use and that 
accurately show the local pricing.
We want you to pay as little as possible for your plan, so we have made this service very easy to use.
You can come back and compare prices on our site as often as you want.
The prices will change between now and 2021.
They are going to increase, in most cases, so you will want to keep coming back and tracking those price increases as they happen.
You may have a plan and provider picked out right now, but once you see the prices change, you may change your mind, and it is good to have a plan in place and to determine what coverage policy you will go with before it is time to apply for the plan.
Medicare Plans for 2021
We can help you get the plan you want and answer any questions that you may have.
Our team is able to assist you in choosing suitable coverage and figuring out what your options are.
You may or may not want a Supplement plan at this point in your life, but 2021 is coming soon, and you want to be prepared for the kind of coverage you will need for that year.
You can start looking at the plans that are available right now and assume that the majority of them will still be available for that upcoming year.
Medicare Supplement plans for 2021 are potentially great money savers.
Many seniors will drastically cut the cost of their healthcare by signing up for one of these plans, but not any plan will do.
You want to pick the one that is right for you.
We can’t tell you right now which plan is the best for your situation, but if you give is a call and talk to one of our experienced team members, we can get you on the right track and make some expert recommendations to you.
