Medicare

PLAN PRICING	Basic Benefit Options	Not Offering			Recommended Comprehensive Plan Options		Budget-Conscious Plan Options				Not Offering
click plan name to to the right to see details	Plan A	B	C	D	Plan F	Plan G	Plan F Hi Ded	Plan K	Plan L	Plan N	Plan M
Hospitalization – Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
Medical Expenses – Part B coinsurance or copayment								50%	100%/75%	100%/50%
Blood (first 3 pints)								50%	75%
Hospice – Part A coinsurance or copayment								50%	75%
Skilled nursing facility care coinsurance								50%	75%
Part A deductible								50%	75%		50%
Part B deductible
Part B excess charge
Foreign travel exchange (up to plan limits)
Out-of-pocket limit**						$5,120		$2,560

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Plan F comes with either a standard or a higher $2,180 deductible. With the $2,180-deductible plan, you pay for $2,180 worth of Medicare-covered costs, such as co-insurance, co-payments and deductibles, before Plan F coverage begins. In exchange, premiums are lower on the high-deductible plan than on the standard-deductible plan. After the deductible has been met, the high-deductible Plan F pays the same benefits as the standard-deductible version

Once you reach the annual out-of-pocket limit on either Plan K or Plan L, that plan will pay 100% of the Medicare co-payment, co-insurance and deductibles for the rest of the calendar year. The out-of-pocket limit does not include charges for any provider that exceeds Medicare-approved amounts, known as excess charges.

With Plan M, you pay 50% of the Part A deductible ($1,288 per benefit period), as well as the entire Part B deductible for the calendar year ($166).

Plan N pays all of the Part A deductible, and you pay the Part B deductible plus a $20 co-payment for some doctor appointments and a $50 co-payment for trips to the Emergency Room.

Part B Excess Charges can occur if a doctor doesn’t accept Medicare’s approved amount. Medicare will pay 80% of the amount it sets for specific doctor services. If Medicare pays 80% on a service it says should cost $100 and a doctor charges you $100, Medicare pays $80 and you owe $20. If the doctor charges you $120, however, Medicare will still pay $80 and you owe $40. Medigap Plan F and Plan G will take care of those excess charges for you.

Some plans may not be available in every state. Run an instant quote to see the plans in your area, or contact us to learn more about your available options.