Medicare Supplemental Plans

Original Medicare only covers costs associated with care up to 80% of the cost. Additional fees are left to the beneficiary unless he or she has a Medicare supplemental plan (also known as a Medigap plan). These plans pickup the remaining co-pay and help provide piece of mind to know that all medical costs will be covered.

Medicare Supplemental Insurance is designed to help cover some of the medical costs not covered by the Original Medicare Plan and is comprised of 12 standard Medicare supplemental insurance plans.  Certain basic coverage is included in all Medicare Supplemental Insurance Plans.

Plans are labeled “A” through “L” and offer different benefits, at varying prices, that fill particular “gaps” in regular Medicare coverage.   Medicare Supplemental Insurance Plans K and L are similar to Plans A through J but trade off lower monthly premiums for higher out of pocket costs.

Trying to decipher the differences between the various supplemental plans for Medicare can be challenging. Below you will find a list of each of the current plans available to choose from. You can checkout each one to find out exactly what is covered.

Supplemental Plan Highlights:

Basic Medical Coverage for Plans A-J:

• Medicare Part A coinsurance plus coverage for 1 additional year after Medicare benefits terminate.
• Medicare Part B coinsurance (generally 20 percent of Medicare-approved expenses), or copayments for hospital outpatient services
• First three pints of blood each year

What is Covered by Plan K?

Medicare Part A coinsurance plus coverage for 1 additional year after Medicare benefits terminate.
• 50% of hospice cost-sharing
• 50% for the first three pints of blood each year
• 50% Medicare Part B coinsurance, except 100% coinsurance for Part B preventive services

What is Covered by Plan L?

Medicare Part A coinsurance plus coverage for 1 additional year after Medicare benefits end
• 75% of hospice cost-sharing
• 75% for the first three pints of blood each year
• 75% Medicare Part B coinsurance, except 100% coinsurance for Part B preventive services

Medicare Part A Hospital Deductible

This is covered by Medigap Plans B-J: $1,068 in 2009 for each benefit period for hospital services

What Else is Covered by Plan K?

50% of the $1,068 Part A hospital deductible

What More is Covered by Plan L?

75% of the $1,068 Part A hospital deductible

What about Skilled Nursing-Home Costs?

Skilled Nursing-Home are Covered by Plans C-J as follows:
Your cost ($133.50 in 2009) for days 21 through 100 in a skilled nursing facility.

Skilled Nursing-Home are Covered by Plan K as follows:
50% of $133.50 for days 21 through 100 in a skilled nursing facility.

Skilled Nursing-Home  are Covered by Plan L as follows:
75% of $133.50 for days 21 through 100 in a skilled nursing facility.

What About Your Medicare Part B Deductible?

The Part B Deductible is Covered by Plans C, F, J:
Yearly deductible for doctor services ($135 in 2009)

What About Medicare Part B Excess Charges?

Medicare Part B Excess Charges are Covered by Plans F (100%), G (80%), I (100%), J (100%):
The difference between your doctor’s charges and the Medicare-approved amount, if your doctor does not accept assignment.

What About Foreign Travel Emergency?

Foreign Travel Emergency  is Covered by Plans C-J:
• 80% of the cost of emergency care outside the United States
• Maximum benefit of $50,000 in your lifetime
• Patient pays a yearly deductible of $250

What About At-Home Recovery?

At-Home Recovery is Covered by Plans D, G, I, J:
• Help for daily living activities, such as dressing and bathing, if already receiving skilled home care covered by Medicare
• Assistance for up to eight weeks after you no longer need skilled care
• Up to $40 per visit, seven visits per week, or a total of $1,600 per year

What About Non-Medicare-Covered Preventive Services?

Non-Medicare-Covered Preventive Services are Covered by Plans E, J:
Ma $120 per year for non-Medicare-covered preventive services as ordered by your physician.

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