For seniors, and others who may be eleigible, Medicare Supplement Insurance (Medigap) plays an important role in covering healthcare costs that Original Medicare (Part A and Part B) doesn't fully cover. Among other standardized Medigap plans once available, Medicare Supplement Plan H offered a balance of benefits along with additional protections for specific needs.
While Plan H is no longer available to new enrollees since June 1, 2010, individuals who enrolled before that date can continue to benefit from this coverage. This guide will help you understand what Plan H covers, its advantages, limitations, and what to consider if you're currently enrolled.
What is Medicare Supplement Plan H?
Medigap Plan H was one of several standardized Medicare Supplement plans designed to help cover out-of-pocket expenses not paid by Original Medicare (Parts A & B).
Plan H stood out by including foreign travel emergency coverage and other key benefits. However, due to changes in federal law, it was discontinued for anyone who wasn’t already enrolled before June 1, 2010. If you still have Plan H, you're "grandfathered in" and can keep your policy as long as premiums are paid.
Coverage Provided by Medigap Plan H
Plan H offers additional coverage options that is not provided by Original Medicare. Note: Plan H is not available to new enrollees and is only available to those who were grandfathered in.
Basic Benefits:
- Medicare Part A Coinsurance
- Medicare Part B Coinsurance
- First 3 Pints of Blood
- Part A Hospice Care
- Skilled Nursing Facility Care Coinsurance
- Medicare Part A Deductible
- Foreign Travel Emergency (up to plan limits)
Note: Medicare Part B Deductible and Medicare Part B Excess Charges are not covered.
Key Benefits of Medicare Supplement Plan H
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Strong Core Coverage: Plan H covers essential costs such as some hospital costs, coinsurance, first 3 pints of blood and more.
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Skilled Nursing Facility Coverage: Helps reduce out-of-pocket costs for extended care needs.
- Foreign Travel Emergency: Helps offer peace of mind while traveling abroad.
Limitations of Medicare Supplement Plan H
- No Coverage for Part B Deductible: You must pay the annual Medicare Part D deductible out of pocket.
- No Coverage for Part B Excess Charges: You may be responsible if a doctor charges more than Medicare's approved amount.
- Discontinued for New Enrollment: Medigap Plan H is no longer offered for new enrollees. If you are currently enrolled in Plan H and you leave the plan, you will not be able to come back.
- Potential Premium Increases: Because this is a discontinued plan, a shrinking enrollment pool could lead to rising premiums over time.
Should You Keep Medicare Supplement Plan H?
If you’re currently enrolled in Plan H, it’s important to review your healthcare needs and premium costs regularly. Consider:
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Are Your Premiums Still Affordable?
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Do You Frequently Visit Doctors Who Charge Part B Excess Fees?
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Would Switching to a Different Medigap Plan Offer Better Value (If You're Eligible and Pass Underwriting)?
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Do You Travel Enough to Make Use of the Foreign Emergency Coverage?
Remember: If you drop Plan H, you cannot return to it.
Final Thoughts on Medicare Supplement Plan H
Medicare Supplement Plan H remains a valuable option for those who enrolled before it was discontinued. With strong core benefits and added protection for international travel, it can offer financial security for many seniors. However, it's important to stay informed about your coverage, evaluate premium changes, and consider your healthcare needs as they evolve.
If you’re unsure about whether to keep Plan H or explore other options, consulting a licensed Medicare advisor can help you make an informed decision.