Georgia-Medicare.com

Toll Free Help Line 888-825-0689

 

Medicare Supplement Plan Selection

If you are new to the Medicare process,you can't help avoid being confused by Medicare insurance terms around your 65th. birthday. If you are not new to the process and felt that you had a understanding of Medicare; we will be glad to bring you up to date on the New Modernized Plans that became effective as of June 1 2010.


The NEW Modernized Medicare Supplement Plans that became effective June 1st 2010,each cover a different set of coverages as mandated by Federal Law. The Plans all must offer equal coverage regardless of what Company issues the plan - - a plan "N" purchased form a Company can not differ from a plan "N" purchased from other Companies. 
  
The Three most popular plans are "F" , "G" and "N"

If a checkmark appears in a column of this chart, the Medigap policy covers 100% of the described benefit. If a column lists a percentage, the policy covers that percentage of the described benefit. If a column is blank, the policy doesn’t cover that benefit. Note: The Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible). 

Medigap Benefits

A

B

C

D

F*

G

K

L

M

N

Medicare Part A Coinsurance hospital costs up to an additional 365 days after Medicare benefits are used up

x

x

x

x

x

x

x

x

x

X

Medicare Part B Coinsurance or Copayment

x

x

x

x

x

x

50%

75%

x

Has a $20 Office Vist Copay
and a $50 ER Copay

Blood (First 3 Pints)

x

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 A Deductible

x

x

x

x

x

50%

75%

50%

x

Medicare Part B Deductible

x

x

Does
Not 
Pay

Medicare Part B Excess Charges

x

x

Foreign Travel Emergency (Up to Plan Limits)

x

x

x

x

x

x

Medicare Preventive Care Part B Coinsurance

x

x

x

x

x

x

x

x

x

x


Notes:

*

Plan F also offers a high-deductible plan. This means you must pay for Medicare-covered costs up to the deductible amount $2,000 in 2010 before your Medigap plan pays anything.

**

After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($162 in 2011), the Medigap plan pays 100% of covered services for the rest of the calendar year.

***

Plan N pays 100% of the Part B coinsurance except up to $20 copayment for office visits and up to $50 for emergency department visits. Plan N does NOT pay the Part B deductible of $162 per year.

The decision is a Three Step Process:

#1 Review the plans above  and determine which one best suits your needs based on the coverages provided.

#2 Get quotes from several of the Major Companies to determine which has the best price on the plan you selected

#3 Make sure that you select a Company the has good financial ratings and claims payment reputation.

We at Georgia-Medicare.com respect that fact that you can make a cost effective decision if we do our job of equiping you with the correct information - - you don't need any "High Pressure Sales" tactics - -  you need good information.

We can provide you with the best quotes from the best Companies through our Instant Online Quoting system.

You can view several quotes and the Plan Brochures along with the Outline Of Coverages. If after reviewing the material you can call us on our Toll Free Help Line  888-825-0689 with any questions regarding the plans or the application process.

Thank You.

Carl E Souders

Licensed Agent

AL / TX / FL / GA / SC / NC / TN / OH / PA

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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