If Medicare Supplement plans were ice cream flavors, which one would you order?
- Geri Reynolds

- 15 hours ago
- 3 min read

Choosing a Medicare Supplement plan can be like choosing your favorite ice cream flavor - there are many options to consider! Each plan has its own unique blend of
benefits, costs, and coverage levels.
Medicare Supplement plans, also known as MedSupp or Medigap plans, are offered by private insurance companies to help seniors cover the costs of healthcare services that traditional Medicare doesn't cover. There are ten standardized Medigap plans to choose from, each labeled with a different letter from A to N.

Plan A - Think of it like vanilla ice cream — classic and simple.
This plan covers the core essentials, including Medicare Part A coinsurance and hospital costs, along with Part B coinsurance and copayments. It’s a solid choice if you’re looking for straightforward coverage at an affordable price.

Plan B - This plan is similar to Plan A but adds coverage for the Medicare Part A deductible.
Think of it like adding chocolate chips to your vanilla ice cream — it’s that little extra boost that makes your coverage even sweeter.

Plan C - Think of this one as the hot fudge sundae — it covers nearly all your out-of-pocket costs, including the Part B deductible, excess charges, and even foreign travel emergency coverage. Just keep in mind, it’s only available to those who were eligible for Medicare before January 1, 2020.

Plan D - This plan is similar to Plan C but does not cover the Part B deductible. Think of it like a sundae without the whipped cream and nuts — still a great option, just missing that little extra topping.

Plan F - Think of this plan as the banana split — it covers nearly all out-of-pocket costs, including the Part B deductible, excess charges, and foreign travel emergency coverage. It’s the most comprehensive option available, but it also comes with a higher premium. Like adding every topping to your ice cream, you get the full experience — it just costs a little extra.
Keep in mind, this plan is only available to those who were eligible for Medicare before January 1, 2020.

Plan G - Think of it like a caramel sundae — it covers nearly everything Plan F does, except the Part B deductible. It’s a great option if you want comprehensive coverage while keeping your premium more affordable.

Plan K - Think of it as a scoop of sorbet — refreshing and lighter on the monthly premium, but with fewer benefits. It covers 50% of Medicare Part A coinsurance and hospice care costs, along with 50% of Part B coinsurance and copayments.

Plan L - This plan is similar to Plan K but covers a higher percentage of coinsurance and copayments. Think of it like a bigger scoop of sorbet — still light and refreshing, just with a little more coverage.

Plan M - Think of it like a swirl cone — a balanced, middle-of-the-road option that covers some, but not all, out-of-pocket costs. It pays 50% of the Part A deductible, along with all Part A coinsurance and hospital costs. It also covers 50% of Part B coinsurance and copayments.

Plan N - Think of it like a waffle cone — sturdy and reliable, covering most out-of-pocket costs with just a small copayment for certain services. It includes the Part A deductible, coinsurance, and hospital costs, along with Part B coinsurance and copayments. You may pay up to $20 for doctor visits and up to $50 for emergency room visits.
Choosing a Medicare Supplement plan can feel a lot like standing in front of an ice cream counter with dozens of flavors. Each one has its own mix of benefits, costs, and “toppings,” and the right choice really depends on what works best for you.
That’s where Lion’s Pride Insurance comes in. Think of us as your friendly neighborhood ice cream man, here to help you sort through the menu, explain the differences, and make sure you walk away with the flavor that fits you best.
Whether you’re looking for simple coverage, something in the middle, or the “fully loaded sundae,” our team is here to guide you through your Medicare Supplement options and make the process easy to understand.
Because at Lion’s Pride Insurance, we believe health coverage should be simple, clear, and tailored to you—no brain freeze required.
If you’re ready to find your perfect scoop, reach out to us today, and we’ll help you pick the plan that’s just right.



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