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2009 Medicare Supplement Outline of Coverage Comparison: Plans A-L
A B C D E F* G H I J*
Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits Core Benefits
    Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility Coinsurance Skilled Nursing Facility 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 A Deductible Part A Deductible Part A Deductible Part A Deductible
    Part B Deductible     Part B Deductible       Part B Deductible
          Part B Excess 100% Part B Excess 100%   Part B Excess 100% Part B Excess 100%
    Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency Foreign Travel Emergency
      At-Home Recovery     At-Home Recovery   At-Home Recovery At-Home Recovery
        Preventive Care NOT covered by Medicare         Preventive Care NOT covered by Medicare
K L
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.
50% Skilled Nursing Facility Coinsurance 75% Skilled Nursing Facility Coinsurance
50% Part A Deductible 75% Part A Deductible
$4,440 Out of Pocket Annual Limit $2,220 Out of Pocket Annual Limit
After you reach the Out of Pocket Annual Limit these plans pay 100% of Medicare approved charges.
Core Benefits
In-Patient Hospitalization: Medical Expenses:
1. Coinsurance of $267 a day for days 61-90 1. Part B Coinsurance
2. Coinsurance of $534 a day for days 91-150 2. Blood (First 3 pints each year)
3. Additional 365 Days of in-patient hospital expenses for days over 150
4. Blood (First 3 pints each year)

Additional information:
Part A Deductible = For each benefit period $1,068 for days 1-60 of hospital stay.
Part B Deductible = $135 Yearly
Skilled Nursing Facility Coinsurance = $133.50 per day for days 21-100
Part B excess charges = The deference between the Medicare-approved amount and the limiting charge (no more than 15% above the Medicare-approved amount) for doctor's fees and other assigned Part B services.
Foreign Travel Emergency = 80% coverage for the medically necessary emergency care in a foreign country after a $250 deductible.
At-Home Recovery = Pays up to $1,600 per year for the short-term, at-home assistance with activities of daily living (bathing, dressing, personal hygiene, etc.) for those recovering from an illness, injury or surgery.
Preventive Care Not Covered by Medicare = Pays up to $120 per year for such things as physical exams, serum cholesterol screening, hearing test, diabetes screenings, and thyroid function test.
There are 12 standardized Medicare supplement plans to choose from A-L. The plans cover the same benefits no matter which company you decide to do business with.


Medicare "Select" plans

Some companies offer policies referred to as "Select" plans. These plans require you to seek services from a "select few hospitals, and sometimes doctors). The benefits are the same as non-select plans, but the premiums are lower.

*High-deductible F, J plans
Two of the plans, F & J have high-deductible options. With these plans you are responsible for the first $2,000 in Medicare covered expenses before the policy pays.
 

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