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2010 Modernized Medicare Supplement Outline of Coverage Comparison
A B C D F* G
Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits Basic Benefits
    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
      At-Home Recovery   At-Home Recovery
           
K L M N
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.

 

 Basic, including 100% Part B co-insurance Basic, including100% Part B coinsurance, except up to $20copayment for office visit, and up to $50 copayment for ER
50% Skilled Nursing Facility Coinsurance 75% Skilled Nursing Facility Coinsurance Skilled Nursing Facility Co-insurance Skilled Nursing Facility Co-insurance
50% Part A Deductible 75% Part A Deductible 50% of Part A Deductible

 

 Part A Deductible
    Foreign Travel Emergency Foreign Travel Emergency
$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.
Basic Benefits
In-Patient Hospitalization: Medical Expenses:
1. Coinsurance of $275 a day for days 61-90 1. Part B Coinsurance
2. Coinsurance of $550 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 $1,100 for days 1-60 of hospital stay.
Part B Deductible = $155 Yearly
Skilled Nursing Facility Coinsurance = $137.50 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.
There are 10 "Modernized"  Standardized Medicare supplement plans to choose from A, B, C, D, F, G, K, L, M, and N. 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 Plan F
Plan F has a high deductible option. With this plan you are responsible for the first $2,000 in Medicare covered expenses before the policy pays.
 

Allen Insurance Agency is not employed by, connected with or endorsed by the State Department of Insurance, United States Government or the Federal Medicare program

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