Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a "standardized" policy identified in most states by letters (see the chart below).
医疗补充政策（也称为Medigap政策）是标准化的，必须遵循旨在保护您的联邦和州法律。保险公司只能向您销售在大多数州由字母标识的“标准化”政策（见下表）
All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs. As you can see in the comparison chart there are many options from which to choose. As licensed insurance agents we can help you understand the differences between the plans so that you can decide on the right plan for you.
所有政策提供相同的基本福利，但一些政策提供额外福利，因此您可以选择适合您需求的计划。如比较图所示，有许多选项可供选择。作为持牌保险代理人，我们可以帮助您理解不同计划之间的差异，以便您能决定适合您的正确计划
In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.
在马萨诸塞州、明尼苏达州和威斯康星州，Medigap政策的标准化方式有所不同
Did you know that each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer? Insurance companies that sell Medigap policies:
您知道每家保险公司决定其要销售的Medigap政策吗？虽然州法律可能会影响它们提供的政策类型。销售Medigap政策的保险公司：
Keep in mind, that the Medicare Supplement policy covers co-insurance after you've paid the deductible (unless the Medigap policy also pays the deductible).
请记住，医疗补充政策在您支付了免赔额后会覆盖共同保险（除非Medigap政策也覆盖免赔额）
The chart below shows basic information about the different benefits Medigap policies cover. 下表显示了关于不同Medigap政策所覆盖基本福利的信息。
Crossed Out = the policy doesn't cover that benefit 划线 = 该政策不覆盖该福利
% = the plan covers that percentage of this benefit % = 该计划覆盖该福利的百分比
N/A = not applicable N/A = 不适用
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,800 in 2024 before your policy pays anything. (Plans C and F aren't available to people who were newly eligible for Medicare on or after January 1, 2020, or were eligible for Medicare before January 1, 2020, but not yet enrolled.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in inpatient admission.
Source: www.medicare.gov
By contacting the phone number on this website you will be directed to a licensed agent.