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12 Standardized Medicare Supplement plans called “A” through “L"

There are 12 standardized Medicare Supplement plans called “A” through “L”.
The benefits of each plan are different, with the exception that all plans cover the “Basic Benefits” which are identified below. Medicare standardized the plans to limit the consumer’s confusion when comparing coverage offered by different companies. With standardization, the consumer can easily compare the benefits and the cost being offered. Descriptions of benefits follow the table below.

How to read the chart: If a check mark appears in the column, this means that the Medigap policy covers that benefit up to 100% of the Medicare-approved amount. If a column lists a percentage, this means the Medigap policy covers that benefit at that percentage rate of the Medicare-approved amount. If no percentage appears or if the column is blank, this menas the Medigap policy doesn't cover that benefit. Note: The coverage of coinsurance only begins after you have paid the deductible.

Medigap Benefit
A
B
C
D
E
F*
G
H
I
J*
K
L
Medicare Part A Coinsurance and Medigap Coverage for Hospital Benefits
check
check
Medicare Part B Coinsurance or Copayment
check
check
check
check
check
check
check
check
check
check
50%
75%
Blood (First Three Pints)
check
check
check
check
check
check
check
check
check
check
50%
75%
Hospice Care Coinsurance or Copayment
 
 
 
 
 
 
 
 
 
 
50%
75%
Skilled Nursing Coinsurance
 
 
50%
75%
Medicare Part A Deductible
 
check
check
check
check
check
check
check
check
check
    
Medicare Part B Deductible
 
 
check
 
 
check
 
 
 
check
    
Medicare Part B Excess Charges
 
 
 
 
 
check 
 
 
check
   
Foreign Travel Emergency (Up to Plan Limits)
 
 
check
check
check
check
   
At-Home Recovery (Up to Plan Limits)
 
 
 
check
 
 
check
 
check
   
Preventive Care Coinsurance (Included in the Part B Coinsurance)
check
check
Preventive Care not Covered by Medicare (up to $120)
 
 
 
 
 
 
 
 
   
2008 out-of-pocket limit:
 $4,400** $2,220**

*Plans F and J also have a high deductible option. You must pay the first $1,900 (deductible in 2008) in Medigap-covered costs before the Medigap policy pays anything. You must also pay a spearate deductible for foreign travel emergency ($250 per year).

**After you meet your out-of-pocket yearly limit and your $135 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year.

Basic Benefits
• Coinsurance for days 61-90 ($256 per day) and days 91-150 ($512 per day) in hospital
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible
• The 2008 deductible is $1024

Skilled Nursing Facility (SNF) Coinsurance
• $128 a day for days 21-100 in a Skilled Nursing Facility in 2008

Medicare Part B Yearly Deductible
• The 2008 deductible is $135

Medicare Part B Excess Charges
• Difference between doctor's charge and Medicare's approved amount
• Up to 15% above the Medicare approved charge which is the doctor’s maximum charge

Foreign Travel Emergency
• Pays 80% of the cost of emergency care during the first two months of each trip after you pay a $250 deductible
• Lifetime maximum of $50,000

At-Home Recovery
• While receiving skilled home care, extra home health aide visits
• Home health aides up to eight weeks after skilled care is no longer needed
• Maximum of $40 per visit to 40 visits, total of $1,600 per year

Preventive Care
• Up to $120 per year for preventive services ordered by doctor


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