Medicare supplement Plan J was retired in 2010. If you would like to get information on the available Medicare supplement plans. Also, if you were looking to get quotes for plan J they are no longer available. You can get quotes for the current plans by filling out the form on the side of this page. If you are have a medigap plan J or if you are just interested in the differences between this plan and the current plans we are going to explore why Medicare supplement plan J went away.
Medigap plan J was a very popular Medicare supplement plan. In fact if you did a Medicare supplement plan comparison you would have found that it was the most comprehensive of all the Medicare supplements. So why did medigap plan J go away? A simple change of policy is what did plan J in. If you look at the current Medicare supplement plan F (learn more about Medicare supplement plan F HERE) it covers all of the nine major coverage gaps in Medicare Part A and Medicare Part B. What Medicare supplement plan J added was coverage for preventative care and at home recovery. These two benefits were eliminated from all the plans by the Centers for Medicare and Social Security (CMS) on June 1, 2010 due to lack of use. Once this happened Medigap plan J became the same as Medicare supplement plan F and thus was just redundant. The decision to give it the axe came from evaluations of usage. If there were services that were almost never used the government decided to not cover them anymore. This means that there would be no government subsidy and thus the insurance companies were not allowed to continue this type of coverage. There are some instance where in Medicare advantage plan J coverage can be obtained but that is making the decision to go completely with private insurance and to no longer use traditional Medicare benefits
When working with seniors who already have a medigap plan J this is often the first question out of their mouth. If you already have a Medicare supplement plan J then you can keep it. However, if you ever switch to another plan, you will have no opportunity to get it back. So to sum that up you can keep Medigap plan J but you cannot go back to Medicare supplement plan J.
I know this seems a bit confusing but the simple breakdown is that the plan is no longer available. If you have any questions about Medicare supplement plan J or an of the other medigap plan please feel free to contact us. It is our pleasure to serve you in any way that we can.