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Medicare Supplement Insurance

With Medicare supplements the plan is exactly the same no matter which company you go with. So, when choosing a plan you’ll want the plan the prices out the lowest from whichever insurance company. Plan F & G has the strongest coverage of all the plans with Plan F being the most popular. We recommend Plan G.

The only difference between Plan G & F

  • Plan F pays the $147 Part B deductible
  • Plan G’s annual savings

Medicare supplements can increase their premium at any time, so it makes sense to get your supplement as soon as possible and lock in at a lower monthly premium. You may submit your application 3 months prior to the month you turn 65.

Medicare (Coverage Summary)

Description OFFERED BY MEDICARE DEDUCTIBLE Deductible
Part A hospitalization in patient standard $1,316
Part B medical expenses in or out patient services, equipment and supplies standard $183
Part C Medicare Advantage (I won’t place my clients in this plan) no (private companies only)
Part D prescriptions generic, brand and non-formulary optional $400

What Medicare Does Not Cover

  • Assistance with bathing, dressing, using the bathroom or any other nonmedical home health care needs
  • Television, phone, slippers etc. (hospital stay)
  • 24 Hour Nurse Line
  • Final Expense
  • Dental
  • Vision
  • Hearing
  • Medical Alert
  • Long term care

What You Pay

Part A

HOSPITALIZATION SKILLED NURSING FACITY CARE
Days Cost Days Cost
1-60 $1,316 (deductible) 1-20 $0
61-90 $329 a day 21-100 $165.00
91+ $658 a day 100+ 100%

Part B

Services, equipment and supplies $183 Plus 20% (no maximum out of pocket)
Blood First 3 pints 0%, then 100% of the next $183, then 20% of the remainder
Home Health Care $0

Part D

  • First your $400 deductible
  • Then coinsurance until both Medicare and patient has paid out $3,700
  • Then you pay 100% until you have paid $4,950 (your maximum out of pocket)
  • Then you pay $0 (till the calendar year ends and the paying cycle starts all over again)

Basic Supplement Plans

A B C D F G
Basic, Including 100% Part B coinsurance Basic, Including 100% Part B coinsurance Basic, Including 100% Part B coinsurance Basic, Including 100% Part B coinsurance Basic, Including 100% Part B coinsurance Basic, Including 100% Part B coinsurance
Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance
Part A Deductible Part A Deductible Part A Deductible Part A Deductible Part A Deductible
Part B Deductible Part B Deductible
Part B Excess (100%) Part B Excess (100%)
Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency

K L M N
Hospitalization and preventative care paid at 100%; other basic benefits paid at 50% Hospitalization and preventative care paid at 100%; other basic benefits paid at 75% Basic, Including 100% part B coinsurance Basic, Including 100% Part B coinsurance, except up to $20 copayment for office visit, and up to $50 copayment for ER
50% Skilled nursing facility coinsurance 75% Skilled nursing facility coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance
50% Part A Deductible 75% Part A Deductible 50% Part A Deductible Part A Deductible
Foreign Travel Emergency Foreign Travel Emergency
Out-of-pocket limit $5,120; paid at 100% after limit reached Out-of-pocket limit $2,560; paid at 100% after limit reached

Shield stethoscope medical concept