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Medicare Supplement Plan J | Medigap Plan J | Coverage & Details
Overview of Medicare Supplement Plan J
Medicare Supplement Plan J is one of the four Medicare Supplement Plans that was eliminated on June 1st, 2010 due to the Medicare Modernization Act. The Centers for Medicare and Medicaid Services (CMS) constantly monitors Medicare Supplement Plans, current economic situations, and maintains the needs of senior citizens.
The four Medigap plans that were emiminated are:
- Medicare Supplement Plan E
- Medicare Supplement Plan H
- Medicare Supplement Plan I
- Medicare Supplement Plan J
Recently, Medicare has upgraded some of the benefits that people receive by just having original Medicare. With this upgrade in Medicare coverage, some of the "old" Medicare Supplement Plans were eliminated due to the duplication of benefits. For example, Medicare now covers more preventive care benefits than they did previously. Medicare gives it's beneficiaries an annual wellness exam, as well as a comprehensive health check when first going on Medicare. Medicare also helps pay more for other preventive care procedures, like mammograms' etc.
With an increase in these types of standard Medicare coverage, it does not make sense to have one of the "old" Medicare supplement plans, because you will simply be paying for additional benefits on your Medicare Supplement Policy that you get for free by just having Medicare. It is a good idea to consider purchasing a more current "Modernized" Medicare Supplement Plan that will cover the gaps left by Medicare, but one that will not duplicate benefits already provided as standard coverage.
Below is a side-by-side comparison of similar, but current (Modernized) Medicare Supplement Plans that are comparable to the "old" Medicare Supplement Plan J.
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