Medicare Plan
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Medicare Plan E for 2022: Understanding Your Opportunities

Plan E is a Medicare supplemental program that has not been available to new Medicare subscribers since 2009.

  • If you didn’t have Plan E BEFORE January 1, 2010, you can’t buy it, but if you have Plan E, you can keep it.
  • Because so few people have Plan E, it can be more expensive than other similar Medigap plans.
  • Medigap Plans D and G offer similar coverage to Plan E.

Medicare is government health insurance for people over 65, as well as people with certain chronic conditions. The health insurance itself consists of different “parts” – A, B, C or D – and can be supplemented by different “plans” which provide additional coverage.

Medigap Plan E, also known as Medicare Supplement Plan E, is a true Medicare supplement that helps cover your Medicare costs. Medicare Plan E has not been offered to new Medicare users since 2010, but those who have already enrolled can still keep their plan through 2020.

There are currently 8 Medigap plans on the market: A, B, D, G, K, L, M, and N. In addition to the Medicare E plan, a previously offered Medigap plan included some Medicare Part A and Medicare Part B costs, the blood transfusions. , preventive care and travel abroad.

In 2003 , the Medicare Prescription Medicines Act was improved, improved, and modernized. This legislation made major changes to the original Medicare and Medigap plan offerings. Through this legislation, Medicare + Choice, Medicare’s managed program, became what we know today as Medicare Advantage. Medicare Part D, a prescription drug program, also became available to all users through private plans.

In 2008 , the Medicare Improvement Act for Patient and Service Provider Improvements was signed into law. This legislation brought multiple improvements to Medicare, some of which significantly affected Medigap’s offering. With this legislation, Medigap E, H, I, and J plans were all eliminated due to Medicare changes.

Od June 1, 2010 , no new Medicare participants were eligible to enroll in Medigap Plan E. However, anyone who was included in Medigap E before it ended in 2010 may be eligible to keep your plan and the benefits of their regime.

What does Medicare Supplement Plan E (Medigap) include?

Medigap Plan E covers the following Medicare costs:

  • Part A coinsurance and hospital costs
  • Educator part insurance
  • Deductible part
  • Coinsurance or Part B payments
  • Blood transfusion (up to 3 pints)
  • Preventive care costs (no longer included in recent plans)
  • Foreign travel expenses

Medigap Plan E does not cover these Medicare charges:

  • Deductible Part B
  • Part B Excess Costs

Because all Medigap plans are standardized, all insurance companies that still have beneficiaries enrolled in Medigap Plan E must continue to offer coverage from the original plan.

How much does Medicare Plan E cost?

Since Medicare Supplement Plan E is no longer for sale, it’s hard to say exactly how much the company might pay for this plan. However, research on Medigap’s annual price changes to date showed that Plan E had a 53% increase in premium price from 1997-2000. In 2000, the Medigap Plan E premium was approximately $1,300 to $1,400 per year.

Since there were no new entries to this Medigap plan in 2010, it has a smaller number of users, which means you may be paying a higher premium than for other Medigap plans. Therefore, if you are enrolled in Medigap Plan E, you may pay less if you switch to another multi-member coverage option.

Who Can Enroll in Supplement Medicare (Medigap) Plan E for 2020?

The Medicare Supplement E plan is no longer open for enrollment as of 2010. However, if you were enrolled in Medigap Plan E before the deadline, you can keep your plan and benefits in 2020.

What are my options if I have Medicare Supplement Plan E?

After nearly a decade of Medicare reforms, Medigap Plan E was discontinued after it became redundant and unnecessary. This means that if you’re still enrolled in that supplemental Medicare plan, you may get better coverage if you switch to the current Medigap plan instead.

Here are other Medigap plan options with similar coverage as Plan E:

Map Medigap D

Medicare Supplemental Plan D covers the following Medicare costs:

  • Part A coinsurance and hospital costs
  • A portion of coinsurance or palliative care payments
  • Educator part insurance
  • Deductible part
  • Coinsurance or Part B payments
  • Blood transfusion (up to 3 pints)
  • 80% of travel expenses abroad

This range is very similar to that offered by Medigap Plan E, but includes the cost of palliative care.

Medigap plan G

Medicare Supplemental Plan G is a step away from Medigap Plans D and E. This plan covers the following costs:

  • Part A coinsurance and hospital costs
  • A portion of coinsurance or palliative care payments
  • Educator part insurance
  • Deductible part
  • Coinsurance or Part B payments
  • Part B Excess Costs
  • Blood transfusion (up to 3 pints)
  • 80% of travel expenses abroad

Coverage for Medigap Plan G is the same as Plan D, except it also covers Medicare Part B excess costs.

The advantage of health insurance

If you’d rather ditch the original Medicare altogether, Medicare Plan is another option. Benefit plans cover all original Medicare parts, and many include prescription drug, dental, vision, and hearing coverage.

If you want to compare more current Medigap and Medicare Advantage offerings, Medicare.gov Find a Medicare Planning Tool can help. You can use this website to find and compare plans and policies in your area.

Are there any other changes to Medigap in 2020?

New legislation may result in changes to Medigap Plan offering and enrollment, as was the case with Medigap Plan E in 2003 and 2010.

In general, if you are already enrolled in a discontinued Medigap plan, you can decide to keep it or enter another plan instead. Depending on your own medical and financial needs, you can decide which option is best for you.

Excursion

  • Medicare Supplement Plan E is a former Medigap plan that was taken off the market in 2010.
  • Medigap Plan E helps cover basic Medicare costs, including some Part A and partial costs, blood transfusions, and international travel.
  • Medigap Plan E is no longer available to new Medicare users, but if you already have a plan, you can continue to use the benefits you have.