Medicare
Supplemental Health Insurance
Medicare Supplemental Insurance plans are standardized by the government and are available within 10 plans:
A, B, C, D, F, G, K, L, M, N
Former Plans Now Eliminated E, H, I, AND J.
The most comprehensive plans are Plan C and Plan F.
Both of these plans have no out of pocket expenses ... i.e. one never has to pay a dime. They are not very affordable.
Plan F does have 3 optional Senior Smart Choice Plans.
Senior Smart Choice plans are detailed below
and do include some out-of-pocket costs, but overall allow Plan F to be much more financially feasible.
Prescription Drugs are covered under Plan
D
Basic benefits are included in all 12 plans
- Inpatient Hospital Care:
Covers the Part A coinsurance and the cost of 365
extra days of hospital care
after Medicare ends.
- Medical Costs: Covers the Part B coinsurance (generally 20%of the
Medicare-approved payment amount).
- Blood: Covers the first 3 pints of blood each year.
The Senior Smart Choice Plans (MAKE PLAN F MORE AFFORDABLE)
1. Smart Choice - Plan F with a deductible of $1790.
2. Smart Choice Preferred
- Offers a $5 office visit co-pay, vision benefits
and chiropractic.
3. Smart Choice Plus -
Offers a LTC rider with daily benefit of $100/day.
Plan D is a prescription benefit which pays for
drugs. There are many companies that offer Part D and the company one chooses is dependent on their medication as prescribed by their doctor.
Click here to review all plans
Call us for guidance specific to
your needs so you can maximize
your coverage options.
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