getting to know
Medicare Supplements are sold by private companies and offer a variety of plan choices to fit your needs and budget.
getting to know
Our licensed insurance agents can answer your Medicare questions and help compare plan options. We’ll be there for you.
There’s a lot to know and understand about Medicare Supplement plans.
We strongly suggest getting a free quote with us so that you may compare plans before deciding which is best suited for you.
For one thing, there are 12 standard Medicare Supplement plans named A through L.
In addition, Medicare Select is a supplemental plan designed to cost less – but it requires you to go to selected doctors and hospitals for your care and it’s not available in all states.
Medicare Supplement plans fill in the gaps with various healthcare benefits with variable prices.
Keep in mind that all Medicare Supplement plans must cover basic benefits, but the benefits differ. For example, some plans may include deductibles and coinsurance while other plans cover some home health care and prescription drugs.
Here’s more specific information.
Long-term care to help you bathe, dress, eat or use the bathroom
Vision or Dental Care
All Prescription Drugs
Medicare Supplement Basic Benefits
Medicare Supplement A is the most basic plan. Each Medicare Supplement policy must offer its most basic benefits.
Once you have paid your hospital deductible – original Medicare pays
all of your hospital care costs for up to 60 days in a benefit period.
If you decide to stay on the plan for more than 60 days – you are
required to pay 2012 rate per day for days 61 through 90. For days 91
through 150 the cost will be $512 throughout 2012.
All 10 supplemental plans cover your costs for days 61 through 150.
In addition, once you use 150 days of Medicare hospital benefits, all
Medicare Supplemental plans cover 365 more hospital days in your
Benefit periods begin the day you go to the hospital and ends when
you have been out of the hospital for 60 consecutive days. If you were
to go to the hospital again after the 60th day, you would have started a
new benefit period.
Once you pay your yearly Part B deductible, Medicare generally pays 80% of doctor and other medical services. It pays 50% of mental health services.
Every Medicare Supplement plan covers your share of these services such as 20% of Medicare approved doctor services and 50% for mental health services. Medicare approves the payment amount of reasonable health care services.
Medicare does not cover the first 3 pints of blood you need each year. Every Medicare Supplemental plans cover these 3 pints of blood you require each year – Medicare will then pay for any additional blood.
Medicare Supplement Plan A (as well as Plan B through J) covers only the basic benefits – for some, this is all they need, for others, they may want to have additional supplemental coverage with Plans B through J.
At a higher monthly cost, you can purchase a Medicare Policy with the following additional benefits:
Medicare Part A Hospital Deductible
Skilled Nursing Home Costs
Medicare Part B Deductible
Medicare Part B Excess Charges
Foreign Travel Emergency
At Home Recovery
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