The Federal Government mandated that all Companies

who issue Medicare Supplement plans do so in a uniform

manner .These policies are identified by letters (Plans A
through L). Plans F and J also come in a high deductible
version.

You will need to acquaint yourself with what level of

coverage each plan offers and select the plan that has

the amount of coverage that suits your needs. The "Plan F"

Is the most popular and is selected by 90% of the clients.

Options A B C D E F* G H I J* Basic Benefits . Part A: Inpatient Hospital Deductible    . Part A: Skilled-Nursing Facility Coinsurance       . Part B: Deductible             .          Foreign Travel Emergency       . At-Home Recovery                   Part B: Excess Charges                100% 80%    100% 100% Preventive Care                         * Plans F and J also have a high deductible option. If you choose this option, you must pay $1,860 out-of-pocket per year before the plans pay anything. Insurance policies with a high deductible option generally cost less than those with lower deductibles. Your out-of-pocket costs for services may be higher if you need to see your doctor or go to the hospital. BASIC BENEFITS: Basic Benefits for Plans K and L include similar services as Plans A through J, but cost sharing for the basic benefits is at different levels.   K** L** Basic Benefits 100% of Part A Hospitalization Coinsurance plus coverage for 365 days after Medicare Benefits end 50% Hospice cost-sharing 50% of Medicare eligible expenses for the first three pints of Blood 50% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services 100% of Part A Hospitalization Coinsurance plus coverage for 365 days after Medicare Benefits end 75% Hospice cost-sharing 75% of Medicare eligible expenses for the first three pints of Blood 75% Part B Coinsurance, except 100% Coinsurance for Part B Preventive Services Skilled Nursing Coinsurance 50% Skilled Nursing Facility Coinsurance 75% Skilled Nursing Facility Coinsurance Part A Deductible 50% Part A Deductible 75% Part A Deductible Part B Deductible     Part B Excess (100%)     Foreign Travel Emergency     At-Home Recovery     Preventive Care NOT Covered by Medicare       $4,140 Out of Pocket Annual Limit *** $2,070 Out of Pocket Annual Limit *** **Plans K and L provide for different cost-sharing for items and services than Plans A through J. Once you reach the annual limit, the plan pays 100% of the Medicare copayments, coinsurance, and deductibles for the rest of the calendar year. The out-of-pocket annual limit does NOT include charges from your provider that exceed Medicare-approved amounts, called “Excess Charges”. You will be responsible for paying excess charges. ***The out-of-pocket annual limit will increase each year for inflation.