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Rule 20:06:13:0D Outline of Medicare Supplement Coverage Policies Plans A through N.

 

 

 

 

 

 

 

 

 

 

 

 

DEPARTMENT OF LABOR AND REGULATION

 

DIVISION OF INSURANCE

 

 

 

 

OUTLINE OF MEDICARE SUPPLEMENT COVERAGE POLICIES

PLANS A THROUGH N

 

 

Chapter 20:06:13

 

APPENDIX D

 

SEE: § 20:06:13:36

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

          Source: 18 SDR 225, effective July 17, 1992; 23 SDR 236, effective July 13, 1997; 25 SDR 44, effective September 30, 1998; 26 SDR 26, effective September 1, 1999; 27 SDR 53, effective December 4, 2000; 31 SDR 214, effective July 6, 2005; 35 SDR 83, effective February 2, 2009; 36 SDR 209, effective July 1, 2010; 37 SDR 241, effective July 1, 2011; 39 SDR 10, effective August 1, 2012.

 


APPENDIX D

[COMPANY NAME]

Outline of Medicare Supplement Coverage-Cover Page:

Benefit Plan(s)________[insert letter(s) of plan(s) being offered]

 

These charts show the benefits included in each of the standard Medicare supplement plans. Every company must make available Plan A. Some plans may not be available in your state.

 

See Outlines of Coverage sections for details about ALL plans.

 

Basic Benefits:

 

·         Hospitalization -- Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.

 

·         Medical Expenses -- Part B coinsurance (generally 20% of Medicare-approved expenses) or copayments for hospital outpatient services. Plans K, L, and N require insureds to pay a portion of Part B coinsurance or copayments.

 

·         Blood -- First three pints of blood each year.

 

·         Hospice -- Part A coinsurance.

 

A

B

C

D

F

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

 

 

 

 

 

 

Part A

Deductible

Skilled Nursing Facility Coinsurance Part A

Deductible Part B

Deductible

 

 

 

Foreign Travel Emergency

Skilled Nursing Facility Coinsurance Part A

Deductible

 

 

 

 

 

Foreign Travel Emergency

Skilled Nursing Facility Coinsurance Part A

Deductible Part B

Deductible Part B

Excess (100%) Foreign Travel Emergency

Skilled Nursing Facility Coinsurance Part A

Deductible

 

 

Part B

Excess (100%) Foreign Travel Emergency

 


 

K

L

M

N

 

 

 

Hospitalization and

preventive care paid

at 100%; other basic

benefits paid at 50%

 

 

 

Hospitalization and

preventive 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

50% Part A

Deductible

75% Skilled

Nursing

Facility

Coinsurance

75% Part A

Deductible

Skilled

Nursing

Facility

Coinsurance

50% Part A

Deductible

Skilled

Nursing

Facility

Coinsurance

Part A

Deductible

 

 

 

 

 

 

 

 

 

 

Foreign

Travel

Emergency

Foreign

Travel

Emergency

 

 

 

 

Out-of-pocket limit

$[4660];

paid at 100%

after limit

reached

Out-of-pocket limit

$[2330]; paid at

100% after limit

reached

 

 

 

* Plan F also has an option called a high deductible Plan F. This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $2070 deductible. Benefits from high deductible Plan F will not begin until out-of-pocket expenses exceed $2070. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan's separate foreign travel emergency deductible.

 


PREMIUM INFORMATION  [Boldface Type]

 

We [insert issuer's name] can only raise your premium if we raise the premium for all policies like yours in this State.  [If the premium is based on the increasing age of the insured, include information specifying when premiums will change.]

 

DISCLOSURES  [Boldface Type]

 

Use this outline to compare benefits and premiums among policies.

 

READ YOUR POLICY VERY CAREFULLY  [Boldface Type]

 

This is only an outline describing your policy's most important features.  The policy is your insurance contract.  You must read the policy itself to understand all of the rights and duties of both you and your insurance company.

 

RIGHT TO RETURN POLICY [Boldface Type]

 

If you find that you are not satisfied with your policy, you may return it to [insert issuer's address].  If you send the policy back to us within 30 days after you receive it, we will treat the policy as if it had never been issued and return all of your payments.

 

POLICY REPLACEMENT [Boldface Type]

 

If you are replacing another health insurance policy, do NOT cancel it until you have actually received your new policy and are sure you want to keep it.

 

NOTICE [Boldface Type]

 

This policy may not fully cover all of your medical costs.

 

[for agents:]

Neither [insert company's name] nor its agents are connected with Medicare.

 

[for direct response:]

[insert company's name] is not connected with Medicare.

 

This outline of coverage does not give all the details of Medicare coverage.  Contact your local Social Security Office or consult "Medicare & You" for more details.

 

COMPLETE ANSWERS ARE VERY IMPORTANT [Boldface Type]

 

When you fill out the application for the new policy, be sure to answer truthfully and completely all questions about your medical and health history. The company may cancel your policy and refuse to pay any claims if you leave out or falsify important medical information. [If the policy or certificate is guaranteed issue, this paragraph need not appear.]

 

Review the application carefully before you sign it.  Be certain that all information has been properly recorded.

 

[Include for each plan prominently identified in the cover page, a chart showing the services, Medicare payments, plan payments and insured payments for each plan, using the same language, in the same order, using uniform layout and format as shown in the charts below.  No more than four plans may be shown on one chart.  For purposes of illustration, charts for each plan are included in this chapter. An issuer may use additional benefit plan designations on these charts pursuant to § 20:06:13:17.05.]

 

[Include an explanation of any innovative benefits on the cover page and in the chart, in a manner approved by the director.]

 


PLAN A

 

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

 

* A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

   First 60 days

   61st thru 90th day

   91st day and after:

   --While using 60 lifetime reserve days

   --Once lifetime reserve days are used:

     --Additional 365 days

 

     --Beyond the additional 365 days

 





All but $[1156]
All but $[289] a day

All but $[556] a day

$0

 

$0





$0
$[289] a day

$[556] a day


100% of Medicare eligible expenses

$0

 

 

 

 

$[1156] (Part A deductible)

$0

 

$0

 

$0**

 

All costs

SKILLED NURSING FACILITY CARE*

You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

  First 20 days

  21st thru 100th day

  101st day and after

 








 

All approved amounts

All but $[144.50] a day

$0






 

 

 

$0
$0
$0

 

 

 

 

 

 

 

 

$0

Up to $[144.50] a day

All costs

BLOOD

First 3 pints

Additional amounts

 

 

$0

100%

 

3 pints

$0

 

$0

$0

HOSPICE CARE

You must meet Medicare's requirements, including a doctor's certification of terminal illness

 

 

All but very limited copayment/coinsurance for out-patient drugs and inpatient respite care

 

 

Medicare

copayment/coinsurance

 

$0

 

 

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance on any difference between its billed charges and the amount Medicare would have paid.


PLAN A

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $[140] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

MEDICAL EXPENSES -

IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment,

  First $[140] of Medicare approved amounts*

  Remainder of Medicare approved amounts

 










$0

Generally 80%










$0

Generally 20%

 

 

 

 

 

 

 

 

 

$[140] (Part B deductible)

 

$0

Part B Excess Charges (Above Medicare Approved Amounts)

 

$0

$0

All costs

BLOOD

First 3 pints

Next $[140] of Medicare approved amounts*

Remainder of Medicare approved amounts

 


$0
$0

80%


All costs
$0

20%

 

$0

$[140] (Part B deductible)

 

$0

CLINICAL LABORATORY SERVICES --TESTS FOR

DIAGNOSTIC SERVICES

 


100%


$0

 

$0

 

PARTS A & B

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOME HEALTH CARE

MEDICARE APPROVED SERVICES
---Medically necessary skilled care
services and medical supplies

---Durable medical equipment

    First $[140] of Medicare approved amounts*

    Remainder of Medicare approved amounts

 

 

 

100%

 

 

$0

 

80%

 

 

$0

 

 

$0

 

20%

 

 

$0

 

 

$[140] (Part B deductible)

 

$0

 


PLAN B

 

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

 

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

   First 60 days

   61st thru 90th day

   91st day and after:

   --While using 60 lifetime reserve days

   --Once lifetime reserve days are used:

     --Additional 365 days

 

     --Beyond the additional 365 days

 





All but $[1156]

All but $[289] a day


All but $[578] a day

$0

 

$0





$[1156](Part A deductible)

$[289] a day


$[578] a day

 

100% of Medicare eligible expenses

$0

 

 

 

 

$0

$0

 

$0

 

$0**

 

All costs

SKILLED NURSING FACILITY CARE*

You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

  First 20 days

  21st thru 100th day

  101st day and after

 








All approved amounts
All but $[144.50] a day

$0








$0
$0

$0

 

 

 

 

 

 

 

$0

Up to $[144.50] a  day

All costs

BLOOD

First 3 pints

Additional amounts

 


$0

100%


3 pints

$0

 

$0

$0

HOSPICE CARE

You must meet Medicare's requirements including a doctor's certification of terminal illness.

 

 

All but very limited copayment/coinsurance for out-patient drugs and inpatient respite care

 

 

Medicare copayment/coinsurance

 

$0

 

** NOTICE:  When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance on any difference between its billed charges and the amount Medicare would have paid.


PLAN B

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $[140] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

MEDICAL EXPENSES -

IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment,

  First $[140] of Medicare approved amounts*

  Remainder of Medicare approved amounts

 










$0

Generally 80%










$0

Generally 20%

 

 

 

 

 

 

 

 

 

$[140] (Part B deductible)

 

$0

Part B Excess Charges (Above Medicare Approved Amounts

 

$0

$0

All costs

BLOOD

First 3 pints

Next $[140] of Medicare approved amounts*

Remainder of Medicare approved amounts

 


$0
$0

80%


All costs
$0

20%

 

$0

$[140] (Part B deductible)

 

$0

CLINICAL LABORATORY

SERVICES --TESTS FOR

DIAGNOSTIC SERVICES

 


100%


$0

 

$0

 

PARTS A & B

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOME HEALTH CARE

MEDICARE APPROVED SERVICES
---Medically necessary skilled care
 services and medical supplies

---Durable medical equipment

    First $[140] of Medicare approved

amounts*
    Remainder of Medicare approved
amounts

 

 

 

100%

 

 

$0

 

80%

 

 

$0

 

 

$0

 

20%

 

 

$0

 

 

$[140] (Part B deductible)

 

$0

 


PLAN C

 

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

 

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

   First 60 days

  61st  thru 90th day

  91st day and after:

   --While using 60 lifetime reserve days

   --Once lifetime reserve days are  used:

      --Additional 365 days

 

      --Beyond the additional 365 days

 





All but $[1156]

All but $[289] a day


All but $[578] a day

$0

 

$0

 





$[1156](Part A deductible)

$[289] a day

$[578] a day

 

100% of Medicare eligible expenses
$0

 

 

 

 

$0

$0

 

$0

 

$0**

 

All costs

SKILLED NURSING FACILITY CARE*

You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

  First 20 days

  21st thru 100th day

  101st day and after

 








All approved amounts
All but $[144.50] a day

$0








$0
Up to $ [144.50] a day

$0

 

 

 

 

 

 

 

$0

$0

All costs

BLOOD

First 3 pints

Additional amounts

 


$0

100%


3 pints

$0

 

$0

$0

HOSPICE CARE

You must meet Medicare's requirements, including a doctor's certification of terminal illness

 

All but very limited copayment/coinsurance for out-patient drugs and inpatient respite care

 

 

Medicare copayment/coinsurance

 

$0

 

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance on any difference between its billed charges and the amount Medicare would have paid.

 


PLAN C

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $[140] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

MEDICAL EXPENSES -

IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment,

  First $[140] of Medicare approved amounts*

  Remainder of Medicare approved amounts

 










$0

Generally 80%










$[140] (Part B deductible)


Generally 20%

 

 

 

 

 

 

 

 

 

$0

 

$0

Part B Excess Charges (Above Medicare Approved Amounts)

 

$0

$0

All costs

BLOOD

First 3 pints

Next $[140] of Medicare approved amounts*

Remainder of Medicare approved amounts

 


$0
$0

80%


All costs
$[140] (Part B deductible)

 

20%

 

$0

$0

 

$0

CLINICAL LABORATORY SERVICES --TESTS FOR

DIAGNOSTIC SERVICES

 


100%


$0

 

$0

 

PARTS A & B

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOME HEALTH CARE

MEDICARE APPROVED SERVICES
---Medically necessary skilled care services and medical supplies

---Durable medical equipment

 First $[140] of  Medicare approved

   amounts*

 Remainder of Medicare approved
   amounts

 

 

 

100%

 

 

$0

 

80%

 

 

$0

 

 

$[140] (Part B deductible)

 

20%

 

 

$0

 

 

$0

 

$0

 

OTHER BENEFITS - NOT COVERED BY MEDICARE

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

FOREIGN TRAVEL -

NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA

  First $250 each calendar year
  Remainder of charges






$0
$0






$0

80% to a lifetime maximum benefit of $50,000

 

 

 

 

 

 

$250

20% and amounts over the $50,000  life-time maximum 

 


PLAN D

 

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

 

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

   First 60 days

   61st thru 90th day

   91st day and after:

   --While using 60 lifetime reserve days

   --Once lifetime reserve days are  used:

      --Additional 365 days

 

      --Beyond the additional 365 days

 





All but $[1156]

All but $[289] a day

All but $[578] a day

$0


$0





$[1156](Part A deductible)

$[289] a day

$[578] a day


100% of Medicare eligible expenses

$0

 

 

 

 

$0

$0

 

$0

 

$0**

 

All costs

SKILLED NURSING FACILITY CARE*

You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

  First 20 days

  21st thru 100th day

  101st day and after

 








All approved amounts

All but $[144.50] a day

$0








$0

Up to $ [144.50] a day

$0

 

 

 

 

 

 

 

$0

$0

All costs

BLOOD

First 3 pints

Additional amounts

 


$0

100%


3 pints

$0

 

$0

$0

HOSPICE CARE

You must meet Medicare's requirements including a doctor's certification of terminal illness

 

 

All but very limited copayment/coinsurance for out-patient drugs and inpatient respite care

 


Medicare copayment/coinsurance

 

$0

 

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance on any difference between its billed charges and the amount Medicare would have paid.

 

 


PLAN D

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $[140] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

MEDICAL EXPENSES -

IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment,

  First $[140] of Medicare approved amounts*

  Remainder of Medicare approved amounts

 










$0

Generally 80%










$0

Generally 20%

 

 

 

 

 

 

 

 

 

$[140] (Part B deductible)

 

$0

Part B Excess Charges (Above Medicare Approved Amounts)

 

$0

$0

All costs

BLOOD

First 3 pints

Next $[140] of Medicare approved amounts*

Remainder of Medicare approved amounts

 


$0
$0

80%


All costs
$0

20%

 

$0

$[140] (Part B deductible)

 

$0

CLINICAL LABORATORY SERVICES --TESTS FOR

DIAGNOSTIC SERVICES

 


100%


$0

 

$0

 

PARTS A & B

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOME HEALTH CARE

MEDICARE APPROVED SERVICES

  ---Medically necessary skilled care services and medical supplies

  ---Durable medical equipment

      First $[140] of Medicare approved amounts*

      Remainder of Medicare approved amounts

 

 


100%

 

$0


80%
 

 


$0


$0

20%

 

 

 

$0

 

 

$[140] (Part B deductible)

 

$0

 

 

OTHER BENEFITS - NOT COVERED BY MEDICARE

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

FOREIGN TRAVEL -

NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA

  First $250 each calendar year
  Remainder of charges

 

 






$0
$0






$0

80% to a lifetime maximum benefit of $50,000

 

 

 

 

 

$250

20% and amounts over the $50,000 life-time maximum

 


PLAN F or HIGH DEDUCTIBLE PLAN F

 

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

 

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

**This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $[2070] deductible. Benefits from the high deductible plan F will not begin until out-of-pocket expenses are $[2070]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

 

SERVICES

MEDICARE PAYS

[AFTER YOU PAY

$[2070]

DEDUCTIBLE,**

PLAN PAYS]

[IN ADDITION TO

$[2070]

DEDUCTIBLE,**

YOU PAY]

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

   First 60 days

   61st thru 90th day

   91st day and after:

   --While using 60 lifetime reserve days

   --Once lifetime reserve days are  used:

      --Additional 365 days

 

      --Beyond the additional 365 days

 





All but $[1156]

All but $[289] a day

All but $[578] a day


$0


$0





$[1156](Part A deductible) $[289] a day

$[578] a day


100% of Medicare eligible expenses
$0

 

 

 

 

$0

$0

 

$0

 

$0***

 

All costs

SKILLED NURSING FACILITY CARE*

You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

  First 20 days

  21st thru 100th day

  101st day and after

 








All approved amounts
All but $[144.50] a day

$0








$0
Up to $[144.50] a day

$0

 

 

 

 

 

 

 

$0

$0

All costs

BLOOD

First 3 pints

Additional amounts

 


$0

100%


3 pints

$0

 

$0

$0

HOSPICE CARE

You must meet Medicare's requirements, including a doctor's certification of terminal illness

 

 

All but very limited copayment/coinsurance for out-patient drugs and inpatient respite care

 


Medicare copayment/coinsurance

 

$0

 

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance on any difference between its billed charges and the amount Medicare would have paid.

 


PLAN F or HIGH DEDUCTIBLE PLAN F

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $[140] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

**This high deductible plan pays the same benefits as Plan F after one has paid a calendar year $[2070] deductible. Benefits from the high deductible plan F will not begin until out-of-pocket expenses are $[2070]. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan's separate foreign travel emergency deductible.

 

SERVICES

MEDICARE PAYS

[AFTER YOU PAY

$[2070]

DEDUCTIBLE,**

PLAN PAYS]

[IN ADDITION TO

$[2070]

DEDUCTIBLE,**

YOU PAY]

MEDICAL EXPENSES -

IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment,

  First $[140] of Medicare approved amounts*

  Remainder of Medicare approved amounts

 










$0

Generally 80%










$[140] (Part B deductible)

Generally 20%

 

 

 

 

 

 

 

 

 

$0

 

$0

 

Part B Excess Charges (Above Medicare Approved Amounts)

$0

100%

$0

BLOOD

First 3 pints

Next $[140] of Medicare  approved amounts*

Remainder of Medicare  approved amounts

 


$0
$0

80%


All costs
$[140]  (Part B deductible)

20%

 

$0

$0

 

$0

CLINICAL LABORATORY SERVICES --TESTS FOR

DIAGNOSTIC SERVICES

 


100%


$0

 

$0

 

PARTS A & B

 

SERVICES

MEDICARE PAYS

[AFTER YOU PAY $[2070] DEDUCTIBLE,**] PLAN PAYS

[IN ADDITION TO $[2070]

DEDUCTIBLE,**] YOU PAY'

HOME HEALTH CARE

MEDICARE APPROVED SERVICES
   --Medically necessary skilled care
services and medical supplies

  ---Durable medical equipment

  ---First $[140] of Medicare approved  

amounts*
     Remainder of Medicare approved
amounts

 

 

 

100%


$0

80%



$0


$[140] (Part B deductible)

20%

 

 

$0

 

 

$0

 

$0

(continued)

 


PLAN F or HIGH DEDUCTIBLE PLAN F (continued)

 

OTHER BENEFITS - NOT COVERED BY MEDICARE

 

SERVICES

MEDICARE PAYS

[AFTER YOU PAY

$[2070]

DEDUCTIBLE,**]

PLAN PAYS

[IN ADDITION TO

$[2070]

DEDUCTIBLE,**]

YOU PAY

FOREIGN TRAVEL -

NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA

  First $250 each calendar year
  Remainder of charges






$0
$0






$0

80% to a lifetime maximum benefit of $50,000

 

 

 

 

 

 

$250

20% and amounts over the  $50,000  life-time maximum 

 


PLAN G

 

MEDICARE (PART A) - HOSPITAL SERVICES - PER BENEFIT PERIOD

 

*A benefit period begins on the first day you receive service as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOSPITALIZATION*

Semiprivate room and board, general nursing and miscellaneous services and supplies

   First 60 days

   61st thru 90th day

   91st day and after:

   --While using 60 lifetime reserve days

   --Once lifetime reserve days are  used:

     --Additional 365 days

 

     --Beyond the additional 365 days

 





All but $[1156]

All but $[289] a day

All but $[578] a day

$0


$0





$[1156](Part A deductible) $[289] a day

$[578] a day


100% of Medicare eligible expenses

$0

 

 

 

 

$0

$0

 

$0

 

$0**

 

All costs

SKILLED NURSING FACILITY CARE*

You must meet Medicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare- approved facility within 30 days after leaving the hospital

  First 20 days

  21st thru 100th day

  101th day and after

 








All approved amounts
All but $[144.50] a day

 $0








$0
Up to $[144.50] a day

$0

 

 

 

 

 

 

 

$0

$0

All costs

BLOOD

First 3 pints

Additional amounts

 


$0

100%


3 pints

$0

 

$0

$0

HOSPICE CARE

You must meet Medicare's requirements, including a doctor's certification of terminal illness

 

 

All but very limited copayment/coinsurance for out-patient drugs and inpatient respite care


Medicare copayment/coinsurance

 

$0

 

**NOTICE: When your Medicare Part A hospital benefits are exhausted, the insurer stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days as provided in the policy's Core Benefits. During this time the hospital is prohibited from billing you for the balance on any difference between its billed charges and the amount Medicare would have paid.

 


PLAN G

 

MEDICARE (PART B) - MEDICAL SERVICES - PER CALENDAR YEAR

 

*Once you have been billed $[140] of Medicare-approved amounts for covered services (which are noted with an asterisk), your Part B deductible will have been met for the calendar year.

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

MEDICAL EXPENSES -

IN OR OUT OF THE HOSPITAL AND OUTPATIENT HOSPITAL TREATMENT, such as physician's services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, durable medical equipment,

  First $[140] of Medicare   approved amounts*

  Remainder of Medicare   approved amounts

 










$0


Generally 80% 










$0


Generally 20% 

 

 

 

 

 

 

 

 

 

$[140] (Part B deductible)

 

$0

Part B Excess Charges (Above Medicare Approved Amounts)

$0

100%

0%

BLOOD

First 3 pints

Next $[140] of Medicare  approved amounts*

Remainder of Medicare  approved amounts

 


$0
$0

80%


All costs
$0

20%

 

$0

$[140] (Part B deductible)

 

$0

CLINICAL LABORATORY

SERVICES --TESTS FOR

DIAGNOSTIC SERVICES

 


100%


$0

 

$0

 

PARTS A & B

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

HOME HEALTH CARE

MEDICARE APPROVED SERVICES

  ---Medically necessary skilled care services and medical supplies

  ---Durable medical equipment

      First $[140] of Medicare approved amounts*

      Remainder of Medicare approved amounts

 




100%

$0

80%




$0

$0

20%

 

 

 

$0

 

$[140] (Part B deductible)

 

$0

 

OTHER BENEFITS - NOT COVERED BY MEDICARE

 

SERVICES

MEDICARE PAYS

PLAN PAYS

YOU PAY

FOREIGN TRAVEL -

NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA

  First $250 each calendar year
  Remainder of charges

 






$0
$0






$0

80% to a lifetime maximum benefit of $50,000

 

 

 

 

 

 

$250

20% and amounts over the $50,000 life-time maximum

 


PLAN K

 

*You will pay half the cost-sharing of some covered services until you reach the annual out-of-pocket limit of $[4660] each calendar year. The amounts that count toward your annual limit are noted with diamonds(♦) in the chart below. Once you reach the annual limit, the plan pays 100% of your Medicare copayment and coinsurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare-approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for that item or service.