This first table compares the more comprehensive Medicare Supplement plans (also called Medigap).
Plans Basic, Extended-Basic ,and the Copay Plan (similar to Copay Plan in other states) are shown side-by-side below.
Additional riders can be added to the Basic plan.

The Extended-Basic plan is only available to those born before 1955 or whose Part A started before January 1, 2020.

There is a separate table below comparing the least comprehensive plans: High Deductible, Plan 50%
(similar to Plan K in other states) and Plan 75% (similar to Plan L in other states).
These three plans are not as straight forward.

SERVICES
MEDICARE PAYS
BASIC
EXTENDED
COPAY
   
Basic Pays
You Pay
Riders
Extended Pays
You Pay
Copay Plan Pays
You Pay
HOSPITALIZATION
Semiprivate room and board,
general nursing and
misc. services and supplies

First 60 days
61st thru 90th day
91st day and after:
-- (While using 60 lifetime reserve days)
- Once lifetime reserve days are used:
-- Additional 365 days
-- Beyond add'l 365 days
Part A Pays




All but $1,600
All but $400 / day
All but $800 / day




$0
$0
Basic




$0
$400
$800




100%
0%
You Pay




$1,600
$0
$0




$0
100%
Riders

With rider
you pay

$0
$0
$0




$0
100%
Extended




$1,600
$400
$800




100%
0%
You Pay




$0
$0
$0




$0
100%
Copay Plan




$1,600
$400
$800




100%
0%
You Pay




$0
$0
$0




$0
100%
SKILLED NURSING FACILITY CARE
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

First 20 days - Copay/Day
21st - 100th day- Copay/Day
101st day and after
Part A Pays









All approved amounts
All but $200 / day
$0
Basic









$0
$200
$0
You Pay









$0
$0
100%
Riders












Extended









$0
$200
$0
You Pay









$0
$0
100%
Copay Plan









$0
$200
$0
You Pay









$0
$0
100%
BLOOD
First 3 pints
Additional amounts
Part A Pays
$0
100%
Basic
100%
$0
You Pay
$0
$0
Riders


Extended
100%
$0
You Pay
$0
$0
Copay Plan
100%
$0
You Pay
$0
$0
HOSPICE CARE
You must meet Medicare's
requirements, including a
doctor's certification of
terminal illness.
Part A Pays

All except small
copayment or
coinsurance.
Basic


Remaining balance
You Pay



$0
Riders




Extended


Remaining balance
You Pay



$0
Copay Plan


Remaining balance
You Pay



$0
MEDICAL EXPENSES - IN
OR OUT OF THE
HOSPITAL AND
OUTPATIENT HOSPITAL
TREATMENT, such as
Physician's services, inpatient
and outpatient medical and
surgical services and supplies,
physical and speech therapy,
diagnostic tests, durable
medical equipment.

First $226 of Medicare
Approved Amounts
Part B Pays












$0
Basic












$0
You Pay












$226
Riders

Available
rider for
those born
before 1955
or whose
Part A date
before
1-1-2020
with rider
you pay
$0
Extended












$226
You Pay












$0
Copay Plan












$0
You Pay












$226
Remainder of Part B
Approved claims after $226

DR Visit
ER Visit
Part B Pays
80%
80%
80%
Basic
20%
20%
20%
You Pay
0%
0%
0%
Riders



Extended
20%
20%
20%
You Pay
0%
0%
0%
Copay Plan
20%
All but $20
All but $50
You Pay
0%
$20
$50
EXCESS
CHARGES
Part B Pays
$0
Basic
$0
You Pay
100%
Riders
Rider pays
Extended
100%
You Pay
0%
Copay Plan
$0
You Pay
100%
BlOOD
First 3 pints
Next $226 of Medicare
approved amounts

Remainder of Medicare
approved amounts
Part B Pays
$0

$0


80%
Basic
100%

$0


20%
You Pay
0%

$226


0%
Riders
$0

Rider pays


$0
Extended
100%

$226


20%
You Pay
0%

$0


0%
Copay Plan
100%

$0


20%
You Pay
0%

$226


0%
CLINICAL LABORATORY
SERVICES
Tests for
Diagnostic Services
Part B Pays

100%
Basic

0%
You Pay

0%
Riders

0%
Extended

0%
You Pay

0%
Copay Plan

0%
You Pay

0%
HOME HEALTH CARE
Medicare approved services
Medically necessary
skilled care services
and medical supplies
Part A&B Pay



100%
Basic



0%
You Pay



0%
Riders



0%
Extended



0%
You Pay



0%
Copay Plan



0%
You Pay



0%




This table compares the least comprehensive plans: High Deductible (HD), 50% (Like Plan K) and 75% (Like Plan L).

Until you've met the Deductible (Ded) of $2,700 in 2023, HD will not pay anything.
The Medicare Part B deductible of $226 is not included in High Deductible's $2,700 deductible.

Plan 50% and Plan 75% have an Out of Pocket Maximum (OOPM) instead of a deductible.
These plans provide coverage before you meet the OOPM.Once you have met the
OOPM of $6,940 in 2023 on Plan 50% and the OOPM of $3,470 on Plan 75%,
these plans will pay at 100% for the remainder of that year.

The $226 Part B deductible is not included in the Out of Pocket Maximums for Plan 50% or Plan 75%.

 
 
HD
PLAN 50%
PLAN 75%
 
DEDUCTIBLE / OOPM
Plan Deductible: $2,700
Out of Pocket Maximum: $6,940
Out of Pocket Maximum: $3,470
SERVICES MEDICARE PAYS
HD Pays
You Pay
Plan 50% Pays
You Pay
Plan 75% Pays
You Pay
HOSPITALIZATION
Semiprivate room and board,
general nursing and
misc. services and supplies

First 60 days
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

61st thru 90th day
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

91st day and after, while
using 60 lifetime reserve days
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

- Once reserve days are used:
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

- Additional 365 days
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

- Beyond additional 365 days
-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part A Pays





All but $1,600
All but $1,600


All but $400 / day
All but $400 / day



All but $800 / day
All but $800 / day


$0
$0


$0
$0


$0
$0
HD





$0
$1,600


$0
$400 / day



$0
$800 / day


$0
100%


$0
100%


$0
$0
You Pay





$1,600
$0


$400 / day
$0 / day



$800 / day
$0 / day


100%
$0


100%
$0


100%
100%
Plan 50%





$800
$1,600


$400 / day
$400 / day



$800 / day
$800 / day


100%
100%


100%
100%


$0
$0
You Pay





$800
$0


$0
$0



$0
$0


$0
$0


$0
$0


100%
100%
Plan 75%





$1,200
$0


$400 / day
$400 / day



$800 / day
$800 / day


100%
100%


100%
100%


$0
$0
You Pay





$400
$0


$0
$0



$0
$0


$0
$0


$0
$0


100%
100%
SKILLED NURSING FACILITY CARE
You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

First 20 days - Copay/Day
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

21st - 100th day- Copay/Day
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

101st day and after
Part A Pays










All approved amounts
All approved amounts


All but $200 / day
All but $200 / day

$0
HD










$0
$0


$0
$200 / day

$0
You Pay










$0
$0


$200 / day
$0

100%
Plan 50%










$0
$0


$100 / day
$200 / day

$0
You Pay










$0
$0


$100 / day
$0

100%
Plan 75%










$0
$0


$150 / day
$200 / day

$0
You Pay










$0
$0


$50 / day
$0

100%
BLOOD
First 3 pints
-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Additional amounts
-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part A Pays

$0
$0

100%
100%
HD

$0
100%

$0
$0
You Pay

100%
$0

$0
$0
Plan 50%

50%
100%

$0
$0
You Pay

50%
$0

$0
$0
Plan 75%

75%
100%

$0
$0
You Pay

25%
$0

$0
$0
HOSPICE CARE
You must meet Medicare's
requirements, including a
doctor's certification of
terminal illness.
-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part A Pays



All except small
copayment or
coinsurance.
HD




$0
100%
You Pay




$0
100%
Plan 50%




50%
100%
You Pay




50%
$0
Plan 75%




75%
100%
You Pay




25%
$0
MEDICAL EXPENSES - IN
OR OUT OF THE
HOSPITAL AND
OUTPATIENT HOSPITAL
TREATMENT, such as
Physician's services, inpatient
and outpatient medical and
surgical services and supplies,
physical and speech therapy,
diagnostic tests, durable
medical equipment.

First $226 of Medicare
Approved Amounts
-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part B Pays













$0
$0
HD













$0
$0
You Pay













$226
$226
Plan 50%













$0
$0
You Pay













$226
$226
Plan 75%













$0
$0
You Pay













$226
$226
Remainder of Part B
Approved claims after $226

-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part B Pays

80%
80%
HD

0%
20%
You Pay

20%
0%
Plan 50%

10%
20%
You Pay

10%
0%
Plan 75%

15%
20%
You Pay

5%
0%
EXCESS
CHARGES

-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part B Pays

$0
$0
HD

$0
100%
You Pay

100%
$0
Plan 50%

$0
$0
You Pay

100%
100%
Plan 75%

$0
$0
You Pay

100%
100%
BlOOD
First 3 pints
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

Next $226 of Medicare
approved amounts
-Before Plan Ded./OOPM
-After Plan Ded./OOPM

Remainder of Medicare
approved amounts
-Before Plan Ded./OOPM
-After Plan Ded./OOPM
Part B Pays

$0
$0



$0
$0



80%
80%
HD

$0
100%



$0
$0



0%
20%
You Pay

100%
$0



$226
$226



20%
0%
Plan 50%

50%
100%



$0
$0



10%
20%
You Pay

50%
$0



$226
$226



10%
$0
Plan 75%

75%
100%



$0
$0



15%
20%
You Pay

25%
$0



$226
$226



5%
$0
CLINICAL LABORATORY
SERVICES
Tests for
Diagnostic Services
Part B Pays

100%
HD

0%
You Pay

0%
Plan 50%

0%
You Pay

0%
Plan 75%

0%
You Pay

0%
HOME HEALTH CARE
Medicare approved services
Medically necessary
skilled care services
and medical supplies
Part A&B Pay



100%
HD



0%
You Pay



0%
Plan 50%



0%
You Pay



0%
Plan 75%



0%
You Pay



0%