Medigap Benefits | A | B | C | D | E | F | G | H | I | J | K* | L* |
| Part A Coinsurance | X | X | X | X | X | X | X | X | X | X | X | X |
| Part B Coinsurance | X | X | X | X | X | X | X | X | X | X | 50% | 75% |
Blood (1st 3 Pints) | X | X | X | X | X | X | X | X | X | X | 50% | 75% |
| Skilled Nursing Coinsurance | | | X | X | X | X | X | X | X | X | 50% | 75% |
| Part
A Deductible | | X | X | X | X | X | X | X | X | X | |
| Part B Deductible | | | X | | | X | | | | X | |
| Part B Excess | | | | | | 100% | 80% | | 100% | 100% | |
| Foreign Travel | | | X | X | X | X | X | X | X | X | |
| At Home Recovery | | | | X | | | X | | X | X | |
| Preventive
Care | | | | | X | | | | | X | X | X |
Note: Plans
F & J also offer a high-deductible version for those interested in saving money on premiums. On the high deductible version,
you must pay the first $1900 (in 2008) in expenses before the supplement policy pays anything.
*Plans K & L also
include a yearly out-of-pocket limit. After you meet this limit and your yearly Part B deductible ($135 in 2008) the plan
pays 100% of covered services for the rest of the calendar year. In 2008, the yearly out-of-pocket limit for Plan K is $4440
and for Plan L is $2220.
Medicare Supplement Benefit Glossary
of Terms:
Part A Coinsurance
- Pays the daily hospital coinsurance for days 61 - 150, plus an additional 365 days at 100% of Medicare eligible expenses
Part B Coinsurance - this covers the 20% that Medicare doesn't cover for Part B (outpatient)
expenses
Blood - pays for the first 3 pints of blood that Medicare doesn't
cover
Skilled Nursing Coinsurance - Covers the coinsurance for Skilled Nursing
facility on days 21 - 100 up to $128 per day in 2008.
Part A Deductible - pays
this deductible ($1024 in 2008)
Part B Deductible - pays the annual deductible
for Part B (outpatient) services, which is $135 in 2008.
Excess Charges - Part
B excess charge benefit pays some or all of the difference between what your doctor charges and Medicare's approved
amount, depending on which plan you choose
Foreign Travel Emergency - pays 80%
of the cost of your foreign emergency care after a $250 deductible. Maximum lifetime benefit is $50K.
At
Home Recovery - pays for home health care benefits after skilled nursing care is completed. Maximum $40 per visit
up to $1600/year in 2008.
Preventive Care - pays for routine yearly checkups
including hearing and thyroid tests, diabetes and cholesterol screenings up to $120/year.
