.\u00a0<\/span><\/p>\nSeven situations provide you with this special election:<\/span><\/p>\n\n- Trial Right 1:<\/b> You joined a <\/span>Medicare Advantage Plan<\/span> at age 65 and want to switch from Medicare Advantage to a <\/span>Medicare Supplement plan<\/span> during the first year.<\/span><\/li>\n
- Trial Right 2:<\/b> You leave a <\/span>Medicare Supplement<\/span> policy to join a <\/span>Medicare Advantage plan<\/span> for the first time, have been in the plan less than a year, and wish to return to Medigap.<\/span><\/li>\n
- You move out of your <\/span>Medicare Advantage plan<\/span>\u2018s service area, or Your <\/span>Medicare Advantage plan<\/span> is dropping coverage in your area.<\/span><\/li>\n
- You move out of your <\/span>Medicare Supplement<\/span> SELECT plan\u2019s service area.<\/span><\/li>\n
- You involuntarily lose your group employer insurance.<\/span><\/li>\n
- The Medigap <\/span>insurance company<\/span> did not follow the rules or misled you.<\/span><\/li>\n
- Your <\/span>Medicare Supplement insurance company<\/span> goes bankrupt.<\/span><\/li>\n<\/ol>\n
In these situations, you can apply for specific plans without medical underwriting. If you were eligible for Medicare before January 1, 2020, you could enroll in <\/span>Plans A<\/span>, B, C, F, K, or L. <\/span>Different Medigap plans are available for new enrollees each year.<\/span><\/p>\nThe only exception is Trial Right 1. In this case, you can enroll in any plan available to you. In each of these guaranteed issue situations, except the trial rights, you will have 63 days to enroll in a plan.<\/span><\/p>\nCompare <\/span>Medicare Supplement plans<\/span><\/h2>\nIt\u2019s important to understand that all <\/span>Medicare Supplement plans<\/span> will offer the same <\/span>plan coverage<\/span>. For example, a <\/span>Plan F<\/span> with Mutual of Omaha must provide the same coverage as <\/span>Plan F<\/span> from <\/span>UnitedHealthcare<\/span>. This is called standardization. All companies must follow the standardization rules except for three states, <\/span>Wisconsin<\/span>, Massachusetts, and Minnesota.<\/span><\/p>\nThere are ten <\/span>Standardized Plan Options<\/span>. Although <\/span>Plans F<\/span> and G have high deductible options.<\/span><\/p>\n\n\n\n\nComparing cost-sharing across Medigap plans<\/span><\/h2>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n| Part A <\/span>coinsurance<\/span> and <\/span>hospital costs<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n<\/tr>\n\n| Part B coinsurance<\/span> or <\/span>copayment<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | 50%<\/span><\/td>\n | 75%<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n<\/tr>\n\n| First 3 pints of blood<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | 50%<\/span><\/td>\n | 75%<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n<\/tr>\n\n| Part A <\/span>hospice care coinsurance<\/span> or <\/span>copayment<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | 50%<\/span><\/td>\n | 75%<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n<\/tr>\n\n| Coinsurance<\/span> for skilled nursing facility<\/span><\/td>\n\n\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | 50%<\/span><\/td>\n | 75%<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n<\/tr>\n\n| Medicare Part A deductible<\/span><\/td>\n\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n | 50%<\/span><\/td>\n | 75%<\/span><\/td>\n | X<\/span><\/td>\n | X<\/span><\/td>\n<\/tr>\n\n| Medicare Part B deductible<\/span><\/td>\n\n\n | X<\/span><\/td>\n\n | X<\/span><\/td>\n\n\n\n\n\n<\/tr>\n\n| Medicare Part B excess charges<\/span><\/td>\n\n\n\n\n | X<\/span><\/td>\n | X<\/span><\/td>\n\n\n\n\n<\/tr>\n\n| Foreign travel emergency<\/span><\/td>\n\n\n | 80%<\/span><\/td>\n | 80%<\/span><\/td>\n | 80%<\/span><\/td>\n | 80%<\/span><\/td>\n\n\n | 80%<\/span><\/td>\n | 80%<\/span><\/td>\n<\/tr>\n\n| Out-of-pocket limit<\/span><\/td>\n\n\n\n\n\n\n | Varies by year<\/span><\/td>\n | Varies by year<\/span><\/td>\n\n\n<\/tr>\n<\/tbody>\n<\/table>\n\n- Plan A<\/b> covers <\/span>basic benefits<\/span>, also known as the core benefits. Most notable are the 20% <\/span>coinsurance<\/span> and the <\/span>hospital costs<\/span> once the <\/span>Part A deductible<\/span> is met.<\/span><\/li>\n
- Plan B<\/b> is identical to A, except it will pay the <\/span>Part A deductible<\/span>.<\/span><\/li>\n
- Plan C<\/b> picks up all your <\/span>Original Medicare costs<\/span> except for <\/span>Part B excess charges<\/span>. This plan is only available for <\/span>beneficiaries<\/span> that were eligible for Medicare before January 1, 2020.<\/span><\/li>\n
- Plan D<\/b>\u2018s coverage is the same as <\/span>Plan C<\/span>\u2018s, except there is no coverage for the <\/span>Medicare Part B deductible<\/span>.<\/span><\/li>\n
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