Your Guide to Medicare Supplement Plan B Benefits

What Does Medicare Supplement Plan B Cover?

Medicare Supplement Plan B helps with costs Original Medicare doesn’t cover. It takes care of expenses that can become a burden. Let’s break down what this plan includes.

Part A Coinsurance and Hospital Costs

This plan fully covers Part A coinsurance and hospital expenses for up to a year more after Original Medicare stops. It stops big bills from piling up during longer hospital stays.

Part B Coinsurance or Copayment

Plan B pays for Part B coinsurance and copayments. It handles 100% of the costs for outpatient and doctor services. This keeps your costs low.

Blood (First 3 Pints)

This plan also includes the first three pints of blood each year. Original Medicare only helps after the first three. So, you get a break from covering these initial costs.

Part A Hospice Care Coinsurance or Copayment

For hospice care, it supports you by covering copayments and coinsurance. This support is vital for managing pain and symptoms, adding to the quality of care you receive.

Part A Deductible

Finally, it covers the Part A deductible. This is a big deal because it cuts the cost of hospital care. You won’t have to worry about this large upfront cost.

In short, Medicare Supplement Plan B is a strong option. It handles a wide range of costs related to staying in the hospital, seeing doctors, needing blood, or when in hospice care. Here’s a comparison of what it covers versus Original Medicare:

Coverage Area

Original Medicare

Medigap Plan B

Part A Coinsurance

Yes (Up to a limit)

Yes (Plus 365 additional days)

Hospital Costs After Part A Benefits

No

Yes

Part B Coinsurance/Copayment

Yes (20%)

Yes (100%)

Blood (First 3 Pints)

No

Yes

Part A Hospice Care

Yes (Copayment required)

Yes (100%)

Part A Deductible

No

Yes