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Medicare Supplement Insurance Plans

The Basics

Although Original Medicare, which includes Parts A and B, covers many health services, a Medigap policy can assist in covering such costs as deductibles, coinsurance and copayments.This plan supplements Original Medicare (Medicare Parts A and B). It makes the coverage provided by Original Medicare more complete.

Plan A

Plan A covers the four Basic Benefits, which include hospitalization, medical expenses, blood and hospice care. EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.

View More Plan A Details

Plan B

In addition to the four Basic Benefits (which are hospitalization, medical expenses, blood and hospice care), Plan B also provides coverage for the Part A inpatient deductible. This is the amount you pay before Medicare begins to pay for hospitalizations.

View More Plan B Details

Plan C

Plan C builds on Plan B while also covering coinsurance (which is the percentage you pay for health services) for skilled nursing facility care, Medicare Part B annual deductible, and emergency care used during foreign travel.

Only applicants eligible for Medicare prior to January 1, 2020 may purchase Plan C, Plan F
and High Deductible Plan F

View More Plan C Details

Plan F

Full coverage on Medicare Part B expenses not covered by Medicare. Plan F covers the same benefits of Plan C while adding 100% coverage of excess charges above what Medicare will pay on Part B.

 

Only applicants eligible for Medicare prior to January 1, 2020 may purchase Plan C, Plan F
and High Deductible Plan F

View More Plan F Details

Plan F+

This is a high deductible plan that pays the same benefits as Plan F after one has paid a calendar year deductible of $2,340 in 2020. Benefits from the high deductible plan F will not begin until out-of-pocket expenses exceed $2,340 in 2020. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

Only applicants eligible for Medicare prior to January 1, 2020 may purchase Plan C, Plan F
and High Deductible Plan F

View More Plan F+ Details

Plan G

Plan G is the closest replacement for Plan F.  Plan G covers everything that Plan F covers except for your annual Part B deductible.

View more Plan G Details

Plan G+

This is a high deductible plan that pays the same benefits as Plan G after one has paid a calendar year deductible of $2,340 in 2020. Benefits from the high deductible plan G will not begin until out-of-pocket expenses are $2,340 in 2020. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductible for Part A, but does not include the plan’s separate foreign travel emergency deductible.

View More Plan G+ Details

Plan N

Plan N is a comprehensive supplement similar to plan C but without coverage of the Part B Deductible and Part B Excess Charge. It combines some cost-sharing, which most people are already accustomed to, with these lower premiums. It covers 100% of the Medicare Part B coinsurance costs, with the only exception being that it requires a $20 copayment for office visits and up to $50 copayment for emergency room visits.    

View More Plan N Details

Disclaimers

EmblemHealth Medicare supplement plans are underwritten by Group Health incorporated (“GHI”), an Emblem Health company. Coverage is subject to all terms, conditions, limitations and exclusions set forth in the applicable EmblemHealth Medicare Supplement plan contract.

Special Notice
Each EmblemHealth Medicare Supplement Insurance plan meets the minimum standards for Medicare Supplement Insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for each of these policies is 90 percent. This ratio is the portion of future premiums which GHI expects to return as benefits when averaged over all people with the policy.

IMPORTANT NOTICE — A CONSUMER’S GUIDE TO HEALTH INSURANCE FOR PEOPLE ELIGIBLE FOR MEDICARE MAY BE OBTAINED FROM YOUR LOCAL SOCIAL SECURITY OFFICE OR FROM EMBLEMHEALTH.

This advertisement is not connected with or endorsed by the U.S. Government or the federal Medicare program.

This is a solicitation of insurance. A licensed insurance agent/producer may contact you. Group Health Incorporated (GHI), HIP Health Plan of New York (HIP), HIP Insurance Company of New York and EmblemHealth Services Company, LLC are EmblemHealth companies. EmblemHealth Services Company, LLC provides administrative services to the EmblemHealth companies.

This information is not a complete description of benefits. Call 800-624-2414 (TTY:711) for more information.

ATTENTION: If you speak other languages, language assistance services, free of charge, are available to you. Call Medicare Supplement Customer Service at 800-624-2414 (TTY: 711).

ATENCIÓN: Si usted habla otros idiomas, tiene a su disposición, gratis, servicios de ayuda para idiomas. Llame al 800-624-2414 (Medicare Supplement Servicios de atención al cliente) (TTY: 711).

The SilverSneakers® fitness program is provided by Tivity Health, Inc., an independent company.

© 2019. All rights reserved.

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Ready to Enroll?

To apply for an EmblemHealth Medicare Supplement plan, download the application form, complete and mail it to us along with a check for the first payment.

Last Updated 10/29/18

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Any information provided on this Website is for informational purposes only. It is not medical advice and should not be substituted for regular consultation with your health care provider. If you have any concerns about your health, please contact your health care provider's office.

Also, this information is not intended to imply that services or treatments described in the information are covered benefits under your plan. Please refer to your Membership Agreement, Certificate of Coverage, Benefit Summary, or other plan documents for specific information about your benefits coverage.