Medicare Supplement

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  • Medicare Supplement (Medigap) insurance helps pay the ‘gap’ between what Medicare Parts A & B pay and what you could be asked to pay out of pocket.
  • Know your benefits- Medicare Supplements plans are standardized; that means price and customer service are the only difference between carriers.
  • Plans are guaranteed renewable- your benefits won’t change and you can’t be dropped from coverage as long as premiums are paid regardless of how your health has changed.
  • Coverage for prescriptions- Medicare Supplement policies DO NOT cover prescription costs. You may want to consider purchasing a separate drug plan to help with your drug costs.
  • 30 day FREE Look- within 30 days of receiving your policy if it is not exactly what you want, you can return it for a full refund, no questions asked.
  • Your pre-existing conditions are covered. If you are approved for coverage, your policy will cover any pre-existing conditions that you have.
  • No restrictive enrollment or disenrollment periods- you can change or replace your coverage at anytime during the year.
  • Standardized benefits- plans are standardized by the US Government, so you know you are getting exactly the same benefits when making the same plan selection, no matter what company you go with.

Medicare Supplement Standard Plans

A B C D F* G K L M N
Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits***
    Skilled Nursing Coinsurance (100%) Skilled Nursing Coinsurance (100%) Skilled Nursing Coinsurance (100%) Skilled Nursing Coinsurance (100%) Skilled Nursing Coinsurance (50%) Skilled Nursing Coinsurance (75%) Skilled Nursing Coinsurance (100%) Skilled Nursing Coinsurance (100%)
  Part A Deductible (100%) Part A Deductible (100%) Part A Deductible (100%) Part A Deductible (100%) Part A Deductible (100%) Part A Deductible (50%) Part A Deductible (75%) Part A Deductible (50%) Part A Deductible (100%)
    Part B Deductible   Part B Deductible          
        Part B Excess Part B Excess        
    Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency     Foreign Travel Emergency Foreign Travel Emergency
            $4,640 Out-of-Pocket Limit** $2,320 Out-of-Pocket Limit**    

 

* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,070 in 2012 before your Medicare Supplement plan pays benefits.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($140 in 2012), the Medicare Supplement plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.

  • Plans D and G effective on or after June1, 2010, have different benefits than D or G Plans bought before June1, 2010.
  • Plans E, H, I, J will no longer be available to buy. If you already have or you buy Plan E, H, I, or J before June 1, 2010, you can keep that plan. Contact your plan for more information.

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