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Coverage options with National General

The types of Medicare Supplement Insurance plans sold by National General include:
Medigap Plan A is the most basic Medigap plan, offering coverage for Medicare Part A and Part B coinsurance costs, Part A hospice care coinsurance and copayments and the first 3 pints of blood needed for a transfusion.

Plan N is a popular Medigap plan that offers all of the same benefits as Plan A as well as coverage of skilled nursing facility care coinsurance costs, the Medicare Part A deductible and 80% of foreign travel emergency care costs.

Although Plan N covers Medicare Part B coinsurance expenses, Plan N members may be subject to copayments of up to $20 for certain doctor’s office visits and up to $50 for emergency room visits that do not result in admission for inpatient hospital care. 

Plan G is poised to become the most popular Medigap plan for new Medicare beneficiaries. This plan covers all of the same benefit areas as Plan N, but without the Part B copayment requirements. Medigap Plan G also covers Medicare Part B excess charges, which can be easy to avoid but can add up quickly if you don’t have coverage.

Plan F has long been the most popular Medicare Supplement Insurance plan. It’s the only plan to provide coverage for all the potential out-of-pocket Medicare costs a Medigap plan can cover, which includes everything found in Plan G plus coverage of the Medicare Part B deductible.

There is also a high-deductible version of Plan F, which is also sold by National General. Members of this plan must meet a deductible ($2,370 in 2021) before the plan’s coverage takes effect. The high-deductible Plan F comes at a lower premium than the traditional Plan F.  

Federal legislation allows only those who became eligible for Medicare before Jan. 1, 2020 to enroll in Plan F, which is why Plan G is expected to take over as the most popular plan for new beneficiaries. 

Common Supplemental Coverage Questions

Medical insurance is very important but it only covers part of the protection. You may also need coverage to help fill financial gaps such as out-of-pocket medical expenses and other daily living expenses. Supplemental insurance pays you a cash benefit directly to you to help fill those financial gaps.

No, you can use the money however you choose. It’s your money, your decision.

These plans generally provide a lump sum cash benefit to help manage many of the expenses that your major medical insurance does not cover after an injury due to an accident. Cash benefits are paid directly to you if you are injured due to a specific accident outlined in the policy.

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