What Is Medigap Plan B?

Medigap Plan B is a standardized Medicare Supplement plan. In North Carolina, you can choose from 10 different Medigap policies to supplement Original Medicare Parts A (Hospital) and B (Medical.) Although Medigap Plan B sounds similar to Original Medicare Part B, they are not the same and offer different levels of coverage.

Health Plans of NC, Kelly Quinn
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Medigap Plan B is a standardized Medicare Supplement plan. In North Carolina, you can choose from 10 different Medigap policies to supplement Original Medicare Parts A (Hospital) and B (Medical.) Although Medigap Plan B sounds similar to Original Medicare Part B, they are not the same and offer different levels of coverage.

Medigap Plan B coverage

Medicare Supplement insurance Plan B covers the following:

Medicare Part A 

  • Part A hospice care copayment

  • Medicare Part A hospital expenses 

  • coinsurance up to 365 additional days after using your Medicare benefits 

Coverage is also available for your Medicare Part B copayments and the first three pints of blood you receive if you're a hospital inpatient or outpatient.

What Medigap Plan B doesn't cover

There are a few areas where Medigap Plan B doesn't provide coverage. These include Medicare Part B deductible and excess charges, foreign travel emergency care, and coinsurance for skilled nursing facility care. 

Medigap Plan B Costs

The costs can differ because you purchase Medigap Plan B policies through a private insurer. However, all insurance providers are required to provide the same standardized benefits. 

If you're considering enrolling in Medigap Plan B, our North Carolina health insurance agents can review the different available plans, including the various monthly premiums. Depending on multiple factors, including your age, gender, location, and health status, there may be different premiums payable for the same plan. 

In addition, an insurance provider can cancel your coverage for a few reasons, such as not paying premiums on time, if you were dishonest on your application or if the insurer becomes bankrupt. Again, working with an experienced Medigap agent NC, can help ensure you get the right coverage for your needs. 

Enrolling in Medigap Plan B

You can enroll in a Medigap Part B plan during your Medicare Supplement Open Enrollment Period. This period lasts for six months when you first enroll in Medicare Part B. Enrolling during this period means you won't be rejected regardless of your health status. You won't face any waiting periods, and you won’t face higher premiums even if you have pre-existing health conditions. Outside of this enrollment period, you may be asked medical questions, be turned down, or pay a higher premium based on your health

You need to live within the plan's service area, so speaking with a health insurance agent specializing in North Carolina is a good idea to ensure you're choosing the right plan. It's also important to enroll when you're eligible and take advantage of your guaranteed issue period.

Need help?

If you've got any questions about different Medigap Plans, or Medigap Plan B coverage, then our local and experienced agents can help. We work with North Carolina residents every day to help them get the best coverage for their health needs and budget. Our agents work throughout NC, including Charlotte, Raleigh, and Durham. Contact us today to find out more or compare plans online. 

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