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OUTLINE OF MEDICARE SUPPLIMENT COVERAGE - COVER PAGE BENEFIT PLANS A, F, G, M and N.

These charts show the benefits included in each of the standard Medicare supplement plans.  Every company must make available plan "A."  Some plans may not be available in your state. See Outlines of Coverage sections for details about ALL plans.  

Basic Benefits:

Hospitalization: Part A coinsurance plus coverage for 365 additional days after Medicare Benefits end.
Medical Expenses: Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services.  Plans K, L, and N require insureds to pay a portion of part B coinsurance or copayments.
Blood: First 3 pints of blood each year.
Hospice: Part A coinsurance.

The highlighted plans (F, G and N) are the most popular, but all plans are available.

 table

 table

*Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2,180 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2,180. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy/certificate. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plans’ separate foreign travel emergency deductible.

 

Plans K and L provide for different cost-sharing for items and servies than Plans A through N. 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 limite does NOT include charges from your provider that exceed Meicare-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.