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Each plan offers a different set of benefits. Any standardized plan can also be sold as a Medicare Select plan (described after the Medicare supplement sections in this chapter), if an issuing insurer chooses to make a Medicare Select plan available. Medicare Select plans usually cost less, because a person must use certain doctors and hospitals, except in an emergency. A Medicare beneficiary has certain rights and protections related to Medicare supplement plans. Individuals need to be aware of what these rights and protections are as they shop for Medicare supplement plans. If individuals are in a Medicare Advantage plan, or if they are covered by Medicaid, they do not need a Medicare supplement plan. Although it is not illegal for anyone to sell a Medicare supplement plan in these cases, it makes no sense. Every company offering Medicare supplement insurance must offer Plan A, which includes certain “basic” or “core” benefits. In addition, companies may offer some, all, or none of the other plans. The basic benefits included in all plans are these: ·                hospitalization, Medicare Part A coinsurance, plus coverage for 365 additional days during the insured’s lifetime after Medicare benefits end; ·                medical expenses, Medicare Part B coinsurance—generally 20 percent of Medicare-approved expenses, or copayments for hospital outpatient services; and ·                coverage for the first three pints of blood each year. These three basic benefits are found in all plans A through J. Basic benefits for plans K and L include similar services as Plans A through J, but cost sharing for the basic benefits is at different levels. The standard plans have certain prerequisites. For example, Medicare supplement policies assume that a person has both Medicare Part A and Part B coverage. Each policy provides coverage for gaps in both parts of Medicare, and a person cannot buy a policy that deals with only one part or the other. Nor can a person buy a Medicare supplement policy without getting Medicare Part B coverage, with most companies. In other words, for a plan to “supplement” Medicare, the Part B Medicare provision must be in place before an insurance policy can “supplement” it. (Some states and some Medicare supplement companies may have variances on these Part B qualifying rules.)   Beneficiaries, or prospects, and insurance producers alike must be careful not to confuse Part A or Part B of Medicare with Plan A or Plan B of Medicare Supplements. The Plans Plan A offers the basic plan benefits; Plans B through J include Plan A basic benefits and add various benefits to it. Plan A—The Basic Policy ·                coverage for the Part A coinsurance amount for the sixty-first through the ninetieth day of hospitalization in each Medicare benefit period; ·                coverage for the Part A coinsurance amount for each of Medicare’s 60 non-renewable lifetime hospital reserve days; ·                after all Medicare hospital benefits are exhausted, coverage for 100 percent of the eligible Medicare Part A hospital expenses. Coverage is limited to a maximum of 365 days of additional inpatient hospital care during the policyholder’s lifetime. This benefit is paid at the Medicare-approved rate. ·                coverage under Medicare Parts A and B for the reasonable cost of the first three pints of blood or equivalent quantities of packed red blood cells per calendar year, unless replaced in accordance with federal regulations; and ·                coverage for the coinsurance amount for Part B services (generally 20 percent of the approved amount, or 50 percent of approved charges for outpatient mental health services) after the annual deductible is met. Plan B Includes all the Plan A basic benefits, plus coverage for the Medicare Part A inpatient hospital deductible. Plan C Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for the Medicare Part B deductible; and ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000. Plan D Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for people recovering from an injury or sickness for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. Plan E Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for preventive medical care not covered by Medicare. The preventive medical care benefit pays up to $120 per year for such items as a physical examination, serum cholesterol screening, hearing test, diabetes screening, and thyroid function test, administered or ordered by a doctor when not covered by Medicare. Plan F Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for the Medicare Part B deductible; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for 100 percent of Medicare Part B excess charges. Plan F pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. Plan G Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for 80 percent of Medicare Part B excess charges. Plan G pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an injury or sickness for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. Plan H We discuss the original Plan H, because some of these plans are still in force. However, the drug benefit is not allowed to be used after Medicare Part D was introduced in 2006 as a result of MMA 2003. Current H Plans do not include the “original” prescription drug benefits. Plan H includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                originally, coverage for 50 percent of the cost of prescription drugs up to a maximum annual benefit of $1,250 after the policyholder met a $250 per year deductible. This was called the basic prescription drug benefit. Plan I As with Plan H, some original I Plans are still in force. However, the drug benefit is not allowed to be used after Medicare Part D was introduced in 2006 as a result of MMA 2003. Current I Plans do not include the “original” prescription drug services. Plan I includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for 100 percent of Medicare Part B excess charges. Plan I pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. ·                originally, coverage for 50 percent of the cost of prescription drugs up to a maximum annual benefit of $1,250 after the policyholder met a $250 per year deductible. This was called the basic prescription drug benefit. ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an injury or sickness, for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. Plan J As with Plans H and I, some original Plan Js are still in force; however, the drug benefit is not allowed to be used after Medicare Part D was introduced in 2006 as a result of MMA 2003. Current J Plans do not include the “original” prescription drug benefits. Plan Js include all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for the Medicare Part B deductible; ·                coverage for 100 percent of Medicare Part B excess charges. Plan J pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; ·                originally, coverage for 50 percent of the cost of prescription drugs up to a maximum annual benefit of $3,000, after the policyholder met a $250 per year deductible. This was called the extended drug benefit. ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an injury or sickness for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. ·                coverage for preventive medical care not covered by Medicare—The preventive medical care benefit pays up to $120 per year for such items as a physical examination, serum cholesterol screening, hearing test, diabetes screening, and thyroid function test, administered or ordered by a doctor when not covered by Medicare. The Balanced Budget Act added two high-deductible versions of Plans F and J to the list of approved Medigap policy forms. They have the same coverage as Plans F or J, but they have a high annual deductible ($1,860 in 2007), which increases each year.1 Plan K Basic benefits for Plan K include similar services as Plans A through J, but cost-sharing for the basic benefits is at different levels. ·                100 percent of Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; ·                50 percent hospice cost-sharing; ·                50 percent of Medicare-eligible expenses for the first three pints of blood; ·                50 percent Part B coinsurance, except for the 100 percent coinsurance for the Part B preventive services; ·                50 percent skilled nursing facility coinsurance; ·                50 percent Part A deductible; and ·                $4,140 out-of- pocket annual limit (as of 2007).2 Plan L Basic benefits for Plan L include similar services as Plans A through J, but as with Plan K, cost-sharing for the basic benefits is at different levels. ·                100 percent of Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; ·                75 percent hospice cost-sharing; ·                75 percent of Medicare-eligible expenses for the first three pints of blood; ·                75 percent Part B coinsurance, except for the 100 percent coinsurance for the Part B preventive services; ·                75 percent skilled nursing facility coinsurance; ·                75 percent Part A deductible; and ·                $2,070 out-of-pocket annual limit (as of 2007).3   Plans K and L provide for different cost-sharing for items and services than Plans A through J. Once the insured reaches the annual limit, the plan pays 100 percent of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from the health provider that exceed Medicare-approved amounts. These charges are called excess charges. The insured is responsible for paying excess charges. The out-of-pocket annual limit will increase each year for inflation. The standard Medicare supplement Plans A through L are summarized in the charts on the following pages. Basic Benefits for Plans A–J ·                Hospitalization—Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. ·                Medical Expenses—Part B coinsurance (generally 20 percent of Medicare-approved expenses) for hospital outpatient services. ·                Blood—First three pints of blood each year. Outline of Medicare Supplement Coverage Benefit Plans A–J A B C D E F/F* G H I J* Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits     Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance   Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible     Part B deductible     Part B deductible       Part B deductible           Part B excess (100%) Part B excess (80%)   Part B excess (100%) Part B excess (100%)     Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency       At-home recovery     At-home recovery   At-home recovery At-home recovery         Preventive care not covered by Medicare         Preventive care not covered by Medicare * Plans F and J also have an option called a high-deductible Plan F and a high-deductible Plan J. These high-deductible plans pay the same or offer the same benefits as standard Plan F and Plan J after the insured has paid a calendar year ($1,860 as of 2007) deductible. Benefits from high-deductible Plans F and J will not begin until out-of-pocket expenses have reached this deductible. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Parts A and B, but they do not include in Plans F and J the plans’ separate foreign travel emergency deductible. Basic benefits for Plans K and L include similar services as Plans A through J, but cost-sharing for the basic benefits is at different levels. Outline of Medicare Supplement Coverage Plans J, K & L J K** L** Basic benefits 100% of Part A Hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; 50% hospice cost-sharing; 50% of Medicare-eligible expenses for the first three pints of blood; 50% Part B coinsurance, except 100% coinsurance for Part B preventive services. 100% of Part A Hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; 75% hospice cost-sharing; 75% of Medicare-eligible expenses for the first three pints of blood; 75% Part B coinsurance, except 100% coinsurance for Part B preventive services. Skilled nursing coinsurance 50% skilled nursing facility coinsurance 75% skilled nursing facility coinsurance Part A deductible 50% Part A deductible 75% Part A deductible Part B deductible     Part B excess (100%)     Foreign travel emergency     At-home recovery     Preventive care not covered by Medicare       $4,000 out-of-pocket annual limit*** $2,000 out-of-pocket annual limit*** **Plans K and L provide for different cost-sharing for items and services than Plans A through J. Once the insured reaches the annual limit, the plan pays 100 percent of the Medicare copayment, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges for the provider that exceed Medicare-approved amounts, called “excess charges.” The insured is responsible for paying excess charges. ***The out-of-pocket annual limit will increase each year for inflation. 1,2,3As of the date of publication, the 2008 figure had not yet been released.     For more information or to receive a FREE Information Kit please complete our No Obligation Online Info Request Form or call us Toll Free @ 888.995.2821. Senior Health>Medicare>Medicare Supplements also known as "Medigap" Plans>>                 Request a Medicare Supplement/Medigap Quote!           Copyright 2005-2007 eBenefitsByDesign.com All rights reserved. | 06/23/2009 08:31 AM Our Privacy Policy  *  Terms of Use

Basic Medicare Supplement Plans A Medicare supplement plan is a private health insurance plan that fills the “gaps” in Original Medicare coverage. Each plan offers a different set of benefits. Any standardized plan can also be sold as a Medicare Select plan (described after the Medicare supplement sections in this chapter), if an issuing insurer chooses to make a Medicare Select plan available. Medicare Select plans usually cost less, because a person must use certain doctors and hospitals, except in an emergency. A Medicare beneficiary has certain rights and protections related to Medicare supplement plans. Individuals need to be aware of what these rights and protections are as they shop for Medicare supplement plans. If individuals are in a Medicare Advantage plan, or if they are covered by Medicaid, they do not need a Medicare supplement plan. Although it is not illegal for anyone to sell a Medicare supplement plan in these cases, it makes no sense. Every company offering Medicare supplement insurance must offer Plan A, which includes certain “basic” or “core” benefits. In addition, companies may offer some, all, or none of the other plans. The basic benefits included in all plans are these:  Hospitalization, Medicare Part A coinsurance, plus coverage for 365 additional days during the insured’s lifetime after Medicare benefits end;  Medical expenses, Medicare Part B coinsurance—generally 20 percent of Medicare-approved expenses, or copayments for hospital outpatient services; and              coverage for the first three pints of blood each year. These three basic benefits are found in all plans A through J. Basic benefits for plans K and L include similar services as Plans A through J, but cost sharing for the basic benefits is at different levels. The standard plans have certain prerequisites. For example, Medicare supplement policies assume that a person has both Medicare Part A and Part B coverage. Each policy provides coverage for gaps in both parts of Medicare, and a person cannot buy a policy that deals with only one part or the other. Nor can a person buy a Medicare supplement policy without getting Medicare Part B coverage, with most companies. In other words, for a plan to “supplement” Medicare, the Part B Medicare provision must be in place before an insurance policy can “supplement” it. (Some states and some Medicare supplement companies may have variances on these Part B qualifying rules.) Beneficiaries, or prospects, and insurance producers alike must be careful not to confuse Part A or Part B of Medicare with Plan A or Plan B of Medicare Supplements.   Medicare Supplemental Plans - Medigap   Plan A - The Basic Policy Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L   Basic Benefits for Plans A–J Hospitalization—Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. Medical Expenses—Part B coinsurance (generally 20 percent of Medicare-approved expenses) for hospital outpatient services. Blood—First three pints of blood each year. Medicare Supplemental Plans - Medigap Plan A offers the basic plan benefits; Plans B through J include Plan A basic benefits and add various benefits to it. Plan A—The Basic Policy ·                coverage for the Part A coinsurance amount for the sixty-first through the ninetieth day of hospitalization in each Medicare benefit period; ·                coverage for the Part A coinsurance amount for each of Medicare’s 60 non-renewable lifetime hospital reserve days; ·                after all Medicare hospital benefits are exhausted, coverage for 100 percent of the eligible Medicare Part A hospital expenses. Coverage is limited to a maximum of 365 days of additional inpatient hospital care during the policyholder’s lifetime. This benefit is paid at the Medicare-approved rate. ·                coverage under Medicare Parts A and B for the reasonable cost of the first three pints of blood or equivalent quantities of packed red blood cells per calendar year, unless replaced in accordance with federal regulations; and ·                coverage for the coinsurance amount for Part B services (generally 20 percent of the approved amount, or 50 percent of approved charges for outpatient mental health services) after the annual deductible is met. Plan B Includes all the Plan A basic benefits, plus coverage for the Medicare Part A inpatient hospital deductible. Plan C Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for the Medicare Part B deductible; and ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000. Plan D Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for people recovering from an injury or sickness for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. Plan E Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for preventive medical care not covered by Medicare. The preventive medical care benefit pays up to $120 per year for such items as a physical examination, serum cholesterol screening, hearing test, diabetes screening, and thyroid function test, administered or ordered by a doctor when not covered by Medicare. Plan F Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for the Medicare Part B deductible; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for 100 percent of Medicare Part B excess charges. Plan F pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. Plan G Includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for 80 percent of Medicare Part B excess charges. Plan G pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an injury or sickness for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. Plan H We discuss the original Plan H, because some of these plans are still in force. However, the drug benefit is not allowed to be used after Medicare Part D was introduced in 2006 as a result of MMA 2003. Current H Plans do not include the “original” prescription drug benefits. Plan H includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                originally, coverage for 50 percent of the cost of prescription drugs up to a maximum annual benefit of $1,250 after the policyholder met a $250 per year deductible. This was called the basic prescription drug benefit. Plan I As with Plan H, some original I Plans are still in force. However, the drug benefit is not allowed to be used after Medicare Part D was introduced in 2006 as a result of MMA 2003. Current I Plans do not include the “original” prescription drug services. Plan I includes all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for 100 percent of Medicare Part B excess charges. Plan I pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. ·                originally, coverage for 50 percent of the cost of prescription drugs up to a maximum annual benefit of $1,250 after the policyholder met a $250 per year deductible. This was called the basic prescription drug benefit. ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; and ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an injury or sickness, for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. Plan J As with Plans H and I, some original Plan Js are still in force; however, the drug benefit is not allowed to be used after Medicare Part D was introduced in 2006 as a result of MMA 2003. Current J Plans do not include the “original” prescription drug benefits. Plan Js include all the Plan A basic benefits, plus ·                coverage for the Medicare Part A inpatient hospital deductible; ·                coverage for the skilled nursing facility care coinsurance amount; ·                coverage for the Medicare Part B deductible; ·                coverage for 100 percent of Medicare Part B excess charges. Plan J pays a specified percentage of the difference between Medicare’s approved amount for Part B services and the actual charges up to the amount of charge limitations set by either Medicare or state law. ·                80 percent coverage for medically necessary emergency care in a foreign country, beginning during the first 60 days of each trip outside of the USA, after a $250 deductible, to a lifetime maximum benefit of $50,000; ·                originally, coverage for 50 percent of the cost of prescription drugs up to a maximum annual benefit of $3,000, after the policyholder met a $250 per year deductible. This was called the extended drug benefit. ·                coverage for at-home recovery—The at-home recovery benefit pays up to $1,600 per year for short-term personal care assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an injury or sickness for which Medicare approved a home care treatment plan. There are various benefit requirements and limitations. ·                coverage for preventive medical care not covered by Medicare—The preventive medical care benefit pays up to $120 per year for such items as a physical examination, serum cholesterol screening, hearing test, diabetes screening, and thyroid function test, administered or ordered by a doctor when not covered by Medicare. The Balanced Budget Act added two high-deductible versions of Plans F and J to the list of approved Medigap policy forms. They have the same coverage as Plans F or J, but they have a high annual deductible ($1,860 in 2007), which increases each year.1 Plan K Basic benefits for Plan K include similar services as Plans A through J, but cost-sharing for the basic benefits is at different levels. ·                100 percent of Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; ·                50 percent hospice cost-sharing; ·                50 percent of Medicare-eligible expenses for the first three pints of blood; ·                50 percent Part B coinsurance, except for the 100 percent coinsurance for the Part B preventive services; ·                50 percent skilled nursing facility coinsurance; ·                50 percent Part A deductible; and ·                $4,140 out-of- pocket annual limit (as of 2007).2 Plan L Basic benefits for Plan L include similar services as Plans A through J, but as with Plan K, cost-sharing for the basic benefits is at different levels. ·                100 percent of Part A hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; ·                75 percent hospice cost-sharing; ·                75 percent of Medicare-eligible expenses for the first three pints of blood; ·                75 percent Part B coinsurance, except for the 100 percent coinsurance for the Part B preventive services; ·                75 percent skilled nursing facility coinsurance; ·                75 percent Part A deductible; and ·                $2,070 out-of-pocket annual limit (as of 2007).3   Plans K and L provide for different cost-sharing for items and services than Plans A through J. Once the insured reaches the annual limit, the plan pays 100 percent of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from the health provider that exceed Medicare-approved amounts. These charges are called excess charges. The insured is responsible for paying excess charges. The out-of-pocket annual limit will increase each year for inflation. The standard Medicare supplement Plans A through L are summarized in the charts on the following pages. Basic Benefits for Plans A–J ·                Hospitalization—Part A coinsurance plus coverage for 365 additional days after Medicare benefits end. ·                Medical Expenses—Part B coinsurance (generally 20 percent of Medicare-approved expenses) for hospital outpatient services. ·                Blood—First three pints of blood each year. Outline of Medicare Supplement Coverage Benefit Plans A–J A B C D E F/F* G H I J* Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits Basic benefits     Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance Skilled nursing co-insurance   Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible Part A deductible     Part B deductible     Part B deductible       Part B deductible           Part B excess (100%) Part B excess (80%)   Part B excess (100%) Part B excess (100%)     Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency Foreign travel emergency       At-home recovery     At-home recovery   At-home recovery At-home recovery         Preventive care not covered by Medicare         Preventive care not covered by Medicare * Plans F and J also have an option called a high-deductible Plan F and a high-deductible Plan J. These high-deductible plans pay the same or offer the same benefits as standard Plan F and Plan J after the insured has paid a calendar year ($1,860 as of 2007) deductible. Benefits from high-deductible Plans F and J will not begin until out-of-pocket expenses have reached this deductible. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Parts A and B, but they do not include in Plans F and J the plans’ separate foreign travel emergency deductible. Basic benefits for Plans K and L include similar services as Plans A through J, but cost-sharing for the basic benefits is at different levels. Outline of Medicare Supplement Coverage Plans J, K & L J K** L** Basic benefits 100% of Part A Hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; 50% hospice cost-sharing; 50% of Medicare-eligible expenses for the first three pints of blood; 50% Part B coinsurance, except 100% coinsurance for Part B preventive services. 100% of Part A Hospitalization coinsurance plus coverage for 365 days after Medicare benefits end; 75% hospice cost-sharing; 75% of Medicare-eligible expenses for the first three pints of blood; 75% Part B coinsurance, except 100% coinsurance for Part B preventive services. Skilled nursing coinsurance 50% skilled nursing facility coinsurance 75% skilled nursing facility coinsurance Part A deductible 50% Part A deductible 75% Part A deductible Part B deductible     Part B excess (100%)     Foreign travel emergency     At-home recovery     Preventive care not covered by Medicare       $4,000 out-of-pocket annual limit*** $2,000 out-of-pocket annual limit*** **Plans K and L provide for different cost-sharing for items and services than Plans A through J. Once the insured reaches the annual limit, the plan pays 100 percent of the Medicare copayment, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges for the provider that exceed Medicare-approved amounts, called “excess charges.” The insured is responsible for paying excess charges. ***The out-of-pocket annual limit will increase each year for inflation.    Please enter your Information below to schedule a Home Visit from one of our Trained Medicare Specialists, Request a FREE information Kit, or Schedule a Call.  All information you provide is Strictly Confidential, secure and used for the sole purpose of finding you the best Medicare plan.  Thank you for visiting and we look forward to serving you!   About You * Your First Name * Last Name * Email Address * Email address (retype) * Street Address * City Select State Ohio Florida * * County * Zip Code () - Ext. * Phone Number (Day) () - * Phone Number (Evening) () - Fax Number   Your Health Insurance Information Do you currently have Health Insurance? Yes No If "Yes", when does your current policy expire? If "Yes", who are you currently insured with? Are you a Male Female * Month January February March April May June July August September October November December / Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 / Year 1900 1901 1902 1903 1904 1905 1906 1907 1908 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 * What is your Date of Birth? Type of Medicare Plan You Want? Not Sure Medicare Part A and B Prescription Drug Plan Aetna Golden Medicare HMO Medicare Advantage Plan Aetna Golden Choice PPO Medicare Advantage Plan AARP MedicareComplete by Secure Horizons Medicare Advantage Plan Blue Cross/Blue Shield Medicare Advantage Plan Citrus Health Care Medicare Plan Evercare Special Needs Medicare Avantage Plan Humana Gold Plus Medicare Advantage Plan MD MedicareChoice Medicare Advantage Plan Universal Health Care Medicare Advantage Plan Wellcare Medicare Advantage Plan Medicare Supplement - Part A Medicare Supplement - Part B Medicare Supplement - Part C Medicare Supplement - Part D Medicare Supplement - Part E Medicare Supplement - Part F Medicare Supplement - Part G Medicare Supplement - Part H Medicare Supplement - Part I Medicare Supplement - Part J Medicare Supplement - Part K * Please select the Plan & Carrier you desire.  Aetna, AARP, Humana, etc. Are you eligible for open enrollment? Turning 65? New to Medicare? Disabled?  Yes No Don't Know Is Your Coverage Ending Because? Retiree Group Coverage Too Expensive New to Florida Turning 65 Moving to Florida Retiree Employer Group Health Coverage Ending Insurance Company No Longer Available Social Security Disability Other Have you been confined to a hospital within the last 2 years? Yes No In the last 6 months have you been treated for a heart disorder or skin cancer? Yes No Are you waiting or confined to the hospital, nursing home, or been discharged in the last 10 days? Yes No Have you been advised to have surgery or procedure and not done so? Yes No Are you currently covered under MEDICARE parts A or B? Yes No Don't Know Optional coverage (check the ones you may want) Life Insurance Long Term Care Fixed Annuities Senior Auto Details/Comments/Remarks Any Comments / Questions? Want to receive relevant information from eBenefitsByDesign.com? 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