Why- Medicare Supplemental Insurance?
Look at your Medicare card. you will see Medicare part A and it's start date; and if you have chosen to accept part B, you will also see it's start date.
Everyone born in 1929 or later needs 40 Social Security credits (sometimes referred to as a quarter of coverage) to be eligible for retirement benefits.
You can earn up to four credits per year, so you will need to work in at least 10 years to become eligible for retirement benefits. If you get benefits from
Social Security or the Railroad Retirement Board (RRB), you automatically get Part A starting the first day of the month you turn age 65. If you are under
age 65 and disabled, you automatically get Part A after you get disability benefits from Social Security or certain disability benefits from the RRB for 24
months.
If you get benefits from Social Security or RRB, in most cases, you will automatically get Part B starting the first day of the month you turn 65. If your
birthday is on the first day of the month, your Part B will start the first day of the prior month. If you are under age 65 and disabled, you will
automatically get Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months. You will get your
Medicare card in the mail about 3 months before your 65 birthday or your 25th month of disability. If you don't want Part B, follow the instructions that
come with the card, and send the card back. If you keep the card, you keep Part B and pay Part B premiums. Medicare pays 80% of approved part B
expenses. Medicare Supplemental Insurance is used to pay the remaining 20%.
Medicare Part A
Hospital Insurance
 Medicare
Pays
 Plan A Pays
 Plan C pays
 Plan D pays
 Plan F pays
 Plan G Pays
 Plan M pays
 Plan N pays
Deductible
 Nothing
   $1,156
 $1,156
 $1,156
 $1,156
 $578 (50%)
 $1,156
First 60 days
 All but
$1,156
              
Coinsurance 91-150 days
 All but
$289 a day
 $578 a day
 $578 a day
 $578 a day
 $578 a day
 $578 a day
 $578 a day
 $578 a day
Extended Hospital coverage
(up to an additional 365  
days in your lifetime)
 Nothing
 Eligible Expenses
 Eligible Expenses
 Eligible Expenses
 Eligible Expenses
 Eligible Expenses
 Eligible Expenses
 Eligible Expenses
Benefits for Blood
 All but
three pints
 Three pints
 Three pints
 Three pints
 Three pints
 Three pints
 Three pints
 Three pints
Skilled Nursing Facility Care
                
First 20 days
 100%
              
Coinsurance
21-100days
 All but $144.50
a day
   Up to
$144.50
a day
 Up to
$144.50
a day
 Up to
$144.50
a day
 Up to
$144.50
a day
 Up to
$144.50
a day
 Up to
$144.50
a day
Hospice Care
                
Outpatient Prescription Drugs
 All but limited
copayment/coins
urance for
outpatient
drugs and
inpatient
respite care.
 Medicare
copayment/coinsu
rance
$5
Medicare
copayment/coinsur
ance
$5
Medicare
copayment/coinsur
ance
$5
Medicare
copayment/coinsur
ance
$5
Medicare
copayment/coinsur
ance
$5
Medicare
copayment/coinsur
ance
$5
Medicare
copayment/coinsur
ance
Inpatient Respite Care
 All but
5%
 5% 0f Medicare
approved amount
 5% 0f Medicare
approved amount
 5% 0f
Medicare approved
amount
 5% 0f Medicare
approved amount
 5% 0f Medicare
approved amount
 5% 0f Medicare
approved amount
 5% 0f Medicare
approved amount
Medicare Part B
Medical Insurance
                
Deductible
 Nothing
   $140
  
$162
$140
     
Coinsurance
 Generally
80%
 Generally
20%
 Generally
20%
 Generally
20%
 Generally
20%
 Generally
20%
 Generally
20%
 Generally
20%*
Excess Benefits
         100% up to
Medicare
limit
 100% up to
Medicare
limit
    
Benefit for Blood
 All but
three
pints
 Three pints
 Three pints
 Three pints
 Three pints
 Three pints
 Three pints
 Three pints
Additional Benefits
                
Emergency Care Received
Outside the U.S.
 Nothing
   80% to
Lifetime max
of $50,000
 80% to
Lifetime max
of $50,000
 80% to
Lifetime max
of $50,000
 80% to
Lifetime max
of $50,000
 80% to
Lifetime max
of $50,000
 80% to
Lifetime max
of $50,000
Seniors Medicare Insurance has choosen to offer the Medicare Plans listed in this column:             Chose the Right Plan for You
* Requires up to a $20 copayment for an office visit and up to $50 copayment for an emergency room visit.
Medicare doesn't cover everything.

Items and services that Medicare doesn't cover include, but aren't limited to, first three pints of blood, private nursing care, long-term care, routine dental care, dentures, cosmetic
surgery, acupunture, hearing aids and exams for fitting hearing aids, services not considered reasonable or necessary by Medicare.  
Seniors Medicare Insurance
Choosing A Medigap Policy
Medicare & You
More information regarding Medicare, senior benefits, and Medicare Supplements can be found at Medicare .gov. Click on the following links to visit and review Medicare publications.
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