KATHY HOPE |
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Insurance Advisors |
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YOUR
CA HEALTH INSURANCE BROKER FOR 22+ YEARS |
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Individual, Child-Only, Family, Entrepreneur, Small Business, Group,
Medicare |
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Serving Northern and Southern California |
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There are
10 Medicare Supplement Plans
A, B, C, D, F, G, K, L, M, N
The Most
Popular Plans are F,
C,
G & N - providing the least out of pocket expense.
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Plan
F** |
Plan
C |
Plan
G |
Plan
N |
| Basic
Benefits* |
Skilled
Nursing
Co-ins. 100% |
Part
A 100%
Deductible |
| Part
B Deductible |
| Part
B Excess |
Foreign
Emergency
Travel |
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| Basic
Benefits* |
Skilled
Nursing
Co-ins. 100% |
Part
A 100%
Deductible |
| Part
B Deductible |
| ************** |
Foreign
Emergency
Travel |
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| Basic
Benefits* |
Skilled
Nursing
Co-ins. 100% |
Part
A 100%
Deductible |
| Part
B Deductible |
| Part
B Excess |
Foreign
Emergency
Travel |
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| Basic
Benefits* |
Skilled
Nursing
Co-ins. 100% |
Part
A 100%
Deductible |
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| *********** |
Foreign
Emergency
Travel |
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**
Plan F
also has a 2nd plan outline that has a high deductible option.
* Basic Benefits are included in all plans and make up Plan
A detailed below |
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A Comparison Of All Medigap
Plans |
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Features
SEE FEATURE
DETAIL |
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| Basic
Benefits |
X |
X |
X |
X |
X |
X |
100% |
75% |
X |
X |
| Skilled
Nursing Co-insurance |
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X |
X |
X |
X |
50% |
75% |
X |
X |
| Part
A Deductible |
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X |
X |
X |
X |
X |
50% |
75% |
50% |
100% |
| Part
B Deductible |
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X |
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X |
X |
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X |
| Part
B Excess |
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100% |
80% |
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| Foreign
Travel Emergency |
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X |
X |
X |
X |
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X |
X |
| At
Home Recovery |
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X |
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X |
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*
Plan F has a high deductible option
** All plans include hospice care |
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Additional
Notes On Plans: K, L, and N |
| Plan
K |
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100% coverage for Part A
Hospitalization coinsurance plus coverage for 365 days after
Medicare benefits end. |
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50% Hospice out-of-pocket cost
sharing. |
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50% of Medicare-eligible
expenses for the 1st 3 pints of blood. |
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50% Part B coinsurance, except
for preventive care services, 100%. |
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50% Skilled Nursing Facility
coinsurance. |
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50% Medicare Part A deductibles. |
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$4,621 out-of-pocket annual
limit (increases each year for inflation). |
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| Plan
L |
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100% coverage for Part A
Coinsurance & Medigap coverage for hospital benefits. |
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75% Hospice out-of-pocket cost
sharing. |
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75% of Medicare-eligible
expenses for the first three pints of blood. |
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75% Part B coinsurance,
Note: preventive care services are covered 100%. |
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75% Skilled Nursing
Facility coinsurance. |
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75% Medicare Part A
deductibles. |
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$2,310 out of pocket annual
limit (increases each year for inflation). |
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| Plan
N |
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Similar benefits to Plan F. Pays for Part B deductible
but with a $20 copay for doctor visits and $50 for ER, |
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Pays for NO Part B excess charges. |
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Plan
A, The Basic Benefits |
Medigap
Plan B through N
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Plan
A Coverage
Is Included In All 10 Plans |
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| Hospitalization: |
| Medicare
Part A pays for
hospitalizations for the 1st
60 days but only pays a
portion of the daily costs
from the 61st day through the
150th day. You remain
responsible for payment of the coinsurance amounts for
those days. |
| Medigap
Plan A includes payments for the coinsurance
amount of the above 150 days
plus provides an additional 365
lifetime days. |
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| Blood: |
| Medicare
will pay for blood
"after" the first 3
pints per calendar year.
You will need to pay for the
1st 3 pints. |
| Medigap
Plan A pays for the first
three pints of blood not paid
for by Medicare. |
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| Medical
Expenses: |
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Medicare Part B, in most
cases, pays for 80%
of a set amount (the "Medicare
approved" amount) for
individual procedures, supplies, or
service billed by a doctor
or other provider that is not
a hospital. |
| Medigap
Plan A pays the coinsurance
(generally 20% of the
"Medicare approved"
amount) under Medicare Part B. |
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| Note
the definitions of deductible
& co-insurance |
| Deductible
- must be paid before medicare
activates. |
| Co-insurance
- After deductible and paid in
addition to medicare coverage
to provide 100% payment. |
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There
are seven additional Medicare Supplement
benefits that are combined with the
basic benefits in various ways to make
up Plans B - N. Prescription drugs are
not included in any.
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| Part
A Deductible |
| This
is the expense you
must pay when you
are admitted to a
hospital as an
inpatient. Not
covered by medicare. |
| Medigap
Policies B -N
reimburse you the
deductible amount,
Plans K & M 50%,
Plan L 75%, the rest
100%. |
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| Skilled
Nursing Coinsurance: |
| Medicare
Part A pays to the
first 20 days of
care following
hospitalization but
requires you to pay
coinsurance
beginning on the
21st day
through the 100th
day. |
| This
benefit pays the
coinsurnace amount
beginning on the
21st day. Plans K
& M, 50%, Plan
L, &5% and Plans
C - N, 100% |
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| Part
B Deductible |
| This
is what you must pay
for medical expenses
such as doctor fees
before Medicare
begins paying. |
| Medigap
plans C and F will
reimburse you the
deductible. |
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| Part
B Excess Charges |
| Medicare
Part B pays 80% of a
pre-determined
amount for each
procedure provided
by our doctor.
Sometimes doctors
charge more that
what Medicare will
cover. |
| Part
B Excess Charges
100% will pay
the full amount
billed by your
doctor. Found in
Medigap Plans F and
G. |
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| Foreign
Travel Emergency |
| The
original medicare
plan provides no
coverage outside of
the USA. |
This
Medigap benefit will
pay 80% of your
expense for most
emergency medical
care in a foreign
country. during the
1st 60 days of a
trip after a small
deductible. Check with me for up
to date amounts!
Found in Plans C, D,
F, G, M & N.
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HEALTH
INSURANCE PROVIDERS WE WORK WITH INCLUDE:
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