What is Medicare Supplemental Plan J?


Quick Answer

Medicare supplemental Plan J was the most comprehensive supplemental plan for Medicare recipients until Medicare removed it in 2010, along with the two benefits, preventive and home-recovery care, that set it apart from supplemental Plan F. Plan J remains available to those who held it prior to its elimination.

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Full Answer

Should Medicare recipients enrolled in Plan J prior to June 1, 2010 change plans it is not possible to re-enroll in Plan J. Medicare supplements extend health insurance coverage for Medicare recipients through private insurance companies. In 2015 there are 10 Medigap supplemental plans available. Plans F and G are the most popular among Medicare enrollees and Plan F provides the most comprehensive coverage. The only difference between supplemental Plans F and G is that Plan G does not cover the Medicare Part B deductible.

Supplemental plans vary in terms of the benefits provided. Each of the 10 supplemental plans available in 2015 cover coinsurance and costs of hospital care for 365 days past Medicare benefits. All but two, Plans K and L, cover Medicare Part B and Part A hospice coinsurance or copayment,100 percent of the first three pints of blood and skilled nursing facility coinsurance. Other benefits variously covered across Medicare supplement plans are Part A deductible, Part B excess charges, foreign travel exchange and out-of-pocket limits.

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