Compare Medicare Supplement Plans
As you approach retirement age, the ever rising cost of health care, makes understanding Medicare, its gaps in coverage and limitations, a very important consideration. Since 1965 Medicare has provided millions of American senior citizens with vital health care services. As good as Medicare is, it may not pay all the cost of being sick. Consequently, what Medicare does not pay becomes your personal financial responsibility.
Choose the Medicare Supplement plan that best meets your needs and your budget. Below lists four of the industry standardized Medicare Supplement plans and the benefits available under each plan. Additional plans may be available.
|CHOOSE THE PLAN THAT'S RIGHT FOR YOU |
|Coverage ||What Medicare Supplement will pay in 2019 ||Plan |
|Part A: |
Medicare Eligible Hospital Expense
|$1,364 part A Deductible |
|$341 per day co-pay for days 61-90 |
|$682 per day co-pay for days 91-150 |
|100% Medicare - eligible expense after day 150 for an additional 365 days || || || || |
|Skilled Nursing Care ||170.50 per day for days |
21 - 100 for medical approved stays in a skilled nursing facility.
| || || || |
|Blood ||First Three Pints of Blood || || || || |
* Plan F also has a high deductible option. If you choose this option, in 2019 you must pay $2,300 out-of-pocket per year before the plans pay anything. Insurance policies with a high deductible option generally cost less than those with lower deductibles. Your out-of-pocket costs for services may be higher if you need to see your doctor or go to the hospital.
Basic Benefits (Plans K- N):
Basic Benefits for Plans K, L and N include similar services as Plans A through G and M, but cost sharing for the basic benefits is at different levels.
|Options ||K** ||L** ||M ||N |
|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 || ||Basic, Including 100% co-insurance, except up to $20 copayment for office visit, and up to $50 copayment for ER |
|Skilled Nursing Coinsurance ||50% Skilled Nursing Facility Coinsurance ||75% Skilled Nursing Facility Coinsurance || || |
|Part A: Deductible ||50% Part A Deductible ||75% Part A Deductible ||50% Part A Deductible || |
|Part B: Deductible || || || || |
|Part B: Excess (100%) || || || || |
|Foreign Travel Emergency || || || || |
|At-Home Recovery || || || || |
|Preventive Care NOT Covered by Medicare || || || || |
| ||$5,560 Out of Pocket Annual Limit (2019) *** ||$2,780 Out of Pocket Annual Limit (2019) *** || || |
**Plans K and L provide for different cost-sharing for items and services than Plans A through G and M. Once you reach the annual limit, the plan pays 100% 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 your provider that exceed Medicare-approved amounts, called "Excess Charges". You will be responsible for paying excess charges.
***The out-of-pocket annual limit will increase each year for inflation.