Medicare Supplement Plans

 

CLICK ON ANY MEDICARE SUPPLEMENT PLAN TO SEE THE FULL OUTLINE OF COVERAGE…

A
B
C
D
F
G
K
L
M
N

 

…OR SEE BELOW FOR A COMPARISON OF ALL AVAILABLE MEDICARE SUPPLEMENT PLANS.

Plan
M
N
Part A Coinsurance and Hospital Benefits
alt
alt
alt
alt
alt
alt
check
check
check
check
Part A
Deductible
check
check
check
check
check
50%
75%
50%
check
Part B
Coinsurance or Co-pay
check
check
check
check
check
check
50%
75%
check
Part B Deductible
check
check
Part B Excess Charges
check
check
Blood (First 3 Pints.)
check
check
check
check
check
check
50%
75%
check
check
Foreign Travel Emergency***
check
alt
check
check
Hospice Care
Coinsurance or Co-pay
check
check
check
check
check
check
50%
75%
check
check
Preventive Care Coinsurance
alt
alt
alt
alt
alt
alt
check
check
check
check
Skilled Nursing Coinsurance
alt
alt
alt
alt
50%
75%
check
check
Out-of-Pocket Limit
$4,640****
$2,320****
*Plan F also offers a high-deductible plan. This means you must pay for Medicare-covered costs up to the deductible amount $2,000 in 2012 before your Medigap plan pays anything.**Plan N pays Part B coinsurance
or co-payment except for an insured copay of up to $20 for
each doctor’s office visit and up to $50 for each emergency
room visit ( emergency room copay waived if admitted as an
inpatient).

***You must also pay a separate
deductible for foreign travel emergency care ($250 per
year). The plan pays 80% after the $250 deductible up to the
plans lifetime limit of $ 50,000

**** On plans K & L Only. After you meet
your out-of-pocket yearly limit of $4640 on plan K and $2320
on plan L and your $140 yearly Part B
deductible, the plan pays 100% of covered services for the
rest of the calendar year. We don’t recommend these plans
for most people.

 

Basic Benefits

• Coinsurance for days 61-90 ($289 per day) and days 91-150 ($578 per day) in hospital

• Payment in full for 365 additional hospital days

• 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible

• The 2012 deductible is $1156

Skilled Nursing Facility (SNF) Coinsurance

• $144.50 a day for days 21-100 in a Skilled Nursing Facility in 2012

Medicare Part B Yearly Deductible

• The 2012 deductible is $140

Medicare Part B Excess Charges

• Difference between doctor’s charge and Medicare’s approved amount

• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency

• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible

• Lifetime maximum of $50,000