Our Medicare Supplement Insurance Policies

There are 12 federally standardized Medicare supplement insurance plans (Plans A-L).  Insurance companies must offer Plan A and may offer any other plans. We have a policy that helps meet your needs and budget.

Benefits

Most Medicare supplement insurance policies pay these basic benefits: 

• Medicare Part A hospital deductible ($1,100 in 2010), coinsurance plus coverage for 365 additional days after Medicare benefits end
• Medicare Part B coinsurance (generally 20% of Medicare approved expenses)
• First three pints of blood each year

Additional benefits, depending on the plan you choose, pay you for:

• Medicare Part B deductible ($155 in 2010)
• Medicare Part B excess charges
• At-home recovery visits
• Foreign travel emergency care
  

How to Select the Right Plan for You

As we age, our health care expenses generally increase and we see the doctor more frequently.

Ask yourself whether you could budget for any of these Medicare Part B costs and choose a Medicare supplement insurance policy according to your needs:    

• Medicare Part B calendar-year deductible, $155 in 2010
• At-home recovery visits for assistance for activities of daily living for your recovery from an illness, injury or surgery
• Charges for excess benefits – Your bill for Medicare Part B services and supplies may exceed the Medicare-eligible expense, leaving you to pay the difference on your own. A Medicare supplement policy can help you pay the difference. 
• Emergency care received outside the U.S.

In most cases, benefits are paid directly to your providers.

See the Medicare supplement insurance policies available in your state.