Seniors Medicare Insurance
Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of Insurance.
Medicare Part A and Medicare Part B Benefits:
Free quote from Top Providers of
Senior Medicare Supplement Insurance
Plans
Not on Medicare yet, or need dental
coverage; or health coverage for family
members under age 65, click here.
Not available for use in South Carolina
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
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Medicare Part B Coinsurance or Copayment - generally 20%
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50%
75%
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Blood (First 3 Pints)
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50%
75%
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Part A Hospice Care Coinsurance or Copayment
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50%
75%
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Skilled Nursing Facility Care Coinsurance
    
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50%
75%
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Medicare Part A Deductible
  
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50%
75%
50%
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Medicare Part B Deductible
    
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Medicare Part B Excess Charges
        
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Foreign Travel Emergency (Up to Plan Limits)
    
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Medicare Preventive Care Part B Coinsurance
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Compare Medicare Plans
Choose the Senior Medicare Supplemental plan that best meet your needs from the chart below:

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). The Medicare Supplemental plans are A - N shown in the following chart , with Medicare plan F being the most comprehensive.
Plans not to be confused with Parts A & B.
$4,640
 $2,320
Out-of-Pocket Limit**
* Plan F offers a high-deductible plan. This means you must pay for Medicare-covered
costs up to the deductible amount $2,000 in 2012 before your Medigap plan pays anything.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($140 in
2012), the Medigap plan pays 100% of covered of covered services for the rest of the calendar year.
Out-of-pocket limit is the maximum amount you would pay for coinsurance and
copayments.
*** Plan N pays 100% of the Part B coinsurance except up to $20 copayment for office visit
and up to $50 for emergency department visits.
Medicare Part A Hospital Coverage
 Medicare Part B Physician Services and Supplies

Part A Deductible- Medicare Supplement Insurance Plans B, C, D, F, G, & N pay the inpatient
deductible for each period ($1,156). Plans K &  M pay 50% ($578). Plan L pays 75% ($867).

First 60 days- After the Part A deductible, Medicare pays all eligible expenses for services
from your first through 60th dayof hospital confinement. Services include semiprivate room
and board, general nursing, and miscellaneous hospital services and supplies.

Co-Insurance- Plans A - N pay when you are hospitalized for the 61st day through the 90th
day. And, when you're in the hospital from the 91st day through the 150th day, your
Medicare Supplement Plan pays for each Lifetime Reserve day used.

Extended Hospital Coverage- If your in the hospital longer than 150 days during a benefit
period, and you've exhausted your 60 days of Medicare Lifetime Reserve, plans A - N pay the
part A Medicare eligible expenses for hospitalization, subject to a lifetime maximum benefit of
an additional 365 days.

Benefit for Blood- Medicare has one calendar year deductible for blood that is the cost of
the first three pints. Standard Plans A, B, C, D, F, G, M, & N pay the deductible at 100%; K at
50%; L at 75%.

Skilled Nursing Facility Care- Medicare pays all eligible expenses for the first 20 days. Plans
C, D, F G, M & N pay the daily coinsurance from the 21th through the 100th day during which
you receive skilled nursing care. You must enter a Medicare certified skilled nursing facility
within thirty (30) days of being hospitalized for at least three (3) days. Plan K pays 50%.
Plan L pays 75%.

Hospice Care Benefit- Medicare pays all but very limited co-payment/coinsurance for
outpatient drugs and inpatient respite care. Plans A, B, C, D, F, G, M, & N pay 100% of the
co-payment/co-insurance amount for all Part A Medicare eligible hospice care expenses. Plan
K pays 50%, Plan L 75%.
Deductible- Plans C & F pay the Part B calendar year deductible.

Co-Insurance- After the Part B deductible, plans B, C, D, F, G & N generally pays 20% of the
eligible expenses for physician's services, supplies, physical and speech therapy and
ambulance services except up to a $20 co-payment for office visits and up to a $50
co-payment for emergency room visits.

For hospital outpatient services, the co-payment amount will be paid under a prospective
payment system. If this system is not used, then generally 20% of eligible expenses will be
paid.

Excess Benefits- Your bill for part B services and supplies may exceed the Medicare eligible
expense. When that occurs, plans F & G pay 100% of the difference, not to exceed the
charge limitation established by Medicare.

Blood Part B- Plans A - N, will pay for the first three (3) pints of blood in each calendar year.
After meeting the Part B deductible, Medicare will pay 80% of the first three (3) pints of
blood in each calendar year. Plans A, B, C, D, F, G, M & N will pay the remaining 20% of those
cost. PLan K pays 50%; Plan L pays 75%.

Emergency Care Received Outside the U.S.- After you pay a $250 calendar-year
deductible, plans C, D, F, G, M & N pay 80% of eligible expenses incurred during the first 60
days of a trip, outside the U.S. not to exceed a lifetime maximum of $50,000.
Seniors Medicare Supplement Insurance Plans (aka Medigap, Med Supp) are offered to senior applicants ages 65-99 (may vary by state) who are
enrolled in Medicare Parts A & B. Benefits are also available to individuals under 65 eligible for Medicare due to disability.
Choose from eleven different standardized plans for 2012. Each standardized Medigap policy must offer the same basic benefits, no matter which
insurance company sells it.
Senior Medicare Supplement Insurance coverage may be used anywhere Medicare is accepted.
Fast and efficient claims processing, often with no paperwork required by the policyholder for Part A and Part B claims.
A Medicare supplement insurance plan
gives you:

Your choice of physicians and specialists for
your personalized care.

The option to use any hospital, doctor or
medical facility that accepts Medicare

Guaranteed Renewable
Medicare Supplement Plan Details