Medigap Plan B — Medicare Supplement Coverage With Part A Deductible Protection
If you are comparing Medicare Supplement options, Medigap Plan B offers slightly more coverage than Plan A by adding protection for the Medicare Part A deductible. As an independent Medicare insurance broker serving New York, New Jersey, and nationwide, I help seniors understand every Medigap option available — including Plan B.
What Does Medigap Plan B Cover?
Medigap Plan B includes all the core benefits of Plan A plus one additional benefit:
- ✅ Part A hospital coinsurance — covers hospital costs up to 365 days after Original Medicare benefits are exhausted
- ✅ Part A deductible — covers the $1,736 Part A inpatient deductible in 2026
- ✅ Part A hospice care coinsurance or copayment
- ✅ Part B coinsurance or copayment — covers your 20% share of outpatient medical costs
- ✅ Part B preventive care coinsurance
- ✅ First three pints of blood for a medical procedure
- ❌ Part B deductible — not covered ($257 in 2026)
- ❌ Part B excess charges — not covered
- ❌ Skilled nursing facility coinsurance — not covered
- ❌ Foreign travel emergency coverage — not covered
Is Medigap Plan B Right for You?
Plan B adds meaningful protection over Plan A by covering the Part A deductible — a significant expense at $1,736 per benefit period in 2026. However, it still leaves several gaps, including skilled nursing facility coinsurance and foreign travel emergency coverage. Most seniors find that Plan G or Plan N offer significantly better overall value for a modest premium difference.
As an independent broker, I compare all available options to make sure you get the coverage that genuinely fits your health needs and budget.
Get a Free Medicare Supplement Consultation
Not sure if Plan B is the right choice? I can help you compare all available Medicare Supplement plans side by side at no cost to you.
📞 Contact Craig Smith Insurance Group today at (917) 740-1895 for your free Medigap consultation. Serving New York, New Jersey, and nationwide.
