Heinrich Associates.

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Medigap Plans - Effective on or after June 1, 2010

If an X appears, the Medigap policy covers 100% of the benefit described in that row. Where a percentage is listed, the plan covers that percentage of the benefit described. For any box left blank, the policy does not cover the benefit described in that row.

Medigap Benefits

A

B

C

D

F*

G

K**

L**

M

N

Medicare Part A Coinsurance

X

X

X

X

X

X

X

X

X

X

Medicare Part A Deductible

  

X

X

X

X

X

50%

75%

50%

X

Medicare Part B Coinsurance or Copayment

X

X

X

X

X

X

50%

75%

X

X***

Medicare Preventive Care Part B Coinsurance

X

X

X

X

X

X

X

X

X

X

Medicare Part B Deductible

  

  

X

  

X

  

  

  

  

  

Blood (first 3 pints)

X

X

X

X

X

50%

75%

X

X

Part A Hospice Care Coinsurance or Copayment

X

X

X

X

X

X

50%

75%

X

X

Skilled Nursing Facility Care Coinsurance

  

  

X

X

X

X

50%

75%

X

X

Medicare Part B Excess Charges

  

  

  

  

X

X

  

  

  

  

Foreign Travel Emergency
(Up to Plan Limits)

  

  

X

X

X

X

  

  

X

X

*This plan also has a high-deductible option. Your Medigap benefits are paid after a $2,000 deductible (2010) is met for Medicare-covered services.
**There is an out of pocket yearly limit of $4,620 (2010) for Plan K and $2,310 (2010) for plan L. After meeting this limit as well as your yearly Part B deductible $155 (2010), your Medigap plan pays 100% of covered services for the rest of the calendar year.
***Plan N pays 100% of the Part B coinsurance except for up to $20 copayment for office visits and up to $50 for emergency department visits.

Medigap Plans - Effective through May 31, 2010

Medigap Benefits

A

B

C

D

E

F*

G

H

I

J*

K**

L**

Medicare Part A Coinsurance

X

X

X

X

X

X

X

X

X

X

X

X

Medicare Part A Deductible

  

X

X

X

X

X

X

X

X

X

50%

75%

Medicare Part B Coinsurance
(not preventative)

X

X

X

X

X

X

X

X

X

X

50%

75%

Medicare Part B Coinsurance (preventative)

X

X

X

X

X

X

X

X

X

X

X

X

Medicare Part B Deductible

  

  

X

  

  

X

  

  

  

X

  

  

Blood (first 3 pints)

X

X

X

X

X

X

X

X

X

X

50%

75%

Hospice Care Coinsurance

  

  

  

  

  

  

  

  

  

  

50%

75%

Skilled Nursing Facility Care Coinsurance

  

  

X

X

X

X

X

X

X

X

50%

75%

Medicare Part B Excess Charges

  

  

  

  

  

X

80%

  

X

X

  

  

Foreign Travel Emergency
(Up to Plan Limits)***

  

  

X

X

X

X

X

X

X

X

  

  

At-home Recovery
(Up to Plan Limits)

  

  

  

X

  

  

X

  

X

X

  

  

Preventive Care Not Covered by Medicare (Up to $120)

  

  

  

  

X

  

  

  

  

X

  

  

*These plans also have a high-deductible option. Your Medigap benefits are paid after a $2,000 (2010) deductible is met for Medicare-covered services.
**There is an out of pocket yearly limit of $4,620 (2010) for Plan K and $2,310 (2010) for plan L. After meeting this limit as well as your yearly Part B deductible $155 (2010), your Medigap plan pays 100% of covered services for the rest of the calendar year.
***The Foreign Travel Emergency benefit is subject to a $250 annual deductible.

Heinrich Associates
Georgetown, TX
Toll Free (866) 558-3577