Senior Insurance Utah

Medicare Insurance Solutions: For Seniors By Seniors

Medicare Supplement Plan Comparison Chart

 

Modernized Medicare Supplement Benefit Information Updated for 2013
F*MN
Medicare Part A Coinsurance and Hospital Benefits
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Medicare Part A Deductible

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50%

75%

50% check
Medicare Part B Coinsurance or Co-payment
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50%
75%
checkCopay**
Medicare Part B Deductible
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-
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-

-

-

Medicare Part B Excess Charges
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-
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-

-

-

-

Blood (First Three Pints)
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50%
75%
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Foreign Travel Emergency (Up to Plan Limits)***
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-
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-

-

Hospice Care Coinsurance or Co-payment
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50%
75%

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Preventive Care Coinsurance
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Skilled Nursing Coinsurance
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-
50%
75%

Out-of-Pocket Limit$2070*$4,660****$2,330****
* High Deductible Plan F pays NO Benefits until a $2,110 deductible is met.

*In some areas some companies will offer a Select Plan C & Select Plan F. The plans are the same as Plan C & Plan F except they will have network hospitals to use. Select Plan C & Select Plan F will have lower premiums. You may use any hospital in an emergency.

**Plan N pays Part B coinsurance or co-payment except for an insured copay of up to $20 for each doctor's office visit and up to $50 for each emergency room visit ( emergency room copay waived if admitted as an inpatient).

***You must also pay a separate deductible for foreign travel emergency care ($250 per year). The plan pays 80% after the $250 deductible up to the plans lifetime limit of $ 50,000

**** On plans K & L Only. After you meet your out-of-pocket yearly limit of $4660 on plan K and $2330 on plan L and your $140 yearly Part B deductible, the plan pays 100% of covered services for the rest of the calendar year. We don't recommend these plans for most people.

Basic Benefits
•Hospitalization Coinsurance for days 61-90 is ($289 per day) and days 91 and after while using lifetime reserve days is ($578 per day)
• Payment in full for 365 additional hospital days
• 20% coinsurance for physician and other Medicare Part B services

Medicare Part A Hospital Deductible
• The 2013 deductible is $1,184

Skilled Nursing Facility (SNF) Coinsurance
• $148.00 a day for days 21-100 in a Skilled Nursing Facility in 2013

Medicare Part B Yearly Deductible
• The 2013 deductible is $147.00

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

 

 

Part B Monthly Premium                                                                                     

The amount you pay for Part B, usually deducted from your monthly Social Security Benefit, starts at $ 104.90 for Individuals filing 2011 Federal Income Tax form 1040 of $ 85,000 or less and jointly $ 170,000 or less.  As you AGI increases, your Part B premiums increase; $ 146.90,  $209.80, $ 272..70 and op bracket premium of $ 335.70 for individuals with income over $ 214,000 and jointly income over $ 428,000

You will also pay a premium in addition to your Part D Prescription Drug Plan, based upon you income, ranging from $11.60 to $ 66.60 each month

 

 

 

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