Which of the 11 Medicare Supplement plans is right for you?
While there are 11 plans, there are only 3 basic types you need to know about to get started. Then we can help you drill down to the type of plan that works best for you.
Lower cost plans that have a deductible. These plans are for those who:
- Want to save money
- Accept responsibility of a deductible if you have claims
- Expect minimal health expenses
Is this the right type of plan for you? If you’re healthy and don’t go to the doctor often, you may want to consider a deductible plan.
Call us, we’ll help you understand how much savings you can expect in your area, and how the rate compares to more comprehensive plans.
Plans that offer a range of pricing and cost-sharing options. These plans are for those who:
- Want to save some money
- Accept some responsibility for costs, such as a co-pay
- Anticipate lower health expenses
Are these the right kind of plans for you? If you’re relatively healthy, don’t anticipate a lot of health expenses and would like to save some money, one of these plans could be a good fit for you.
Call us, we’ll help you the relative savings and coverage options and see if a mid-range plan is right for you.
Most Comprehensive Plans
These plans offer more coverage and are designed for those who:
- Want peace of mind, and are less concerned about the price
- Expect some health expenses
Are these plans right for you?
If you’d rather be able to have a consistent budget and not worry so much about deductibles, copays and coinsurance, a more comprehensive plan may be right for you. Call us, we’ll help you make an informed decision by showing you specifically how the plans compare and the relative pricing.
Medicare Supplement Insurance is NOT a one-size-fits-all solution. If you’ve not heard of the range of plans and pricing available to you, you’re not alone. Many people who come to us have heard of only one plan—typically the most expensive plan—which may be right for you. But we want to be sure you know your options.
Medicare Supplement Plans offered by Americare Group
In most states, each Medicare Supplement insurance company chooses which insurance plan(s) to offer from the 11 plans described below – and many offer only a few options each. That’s one reason we represent multiple companies.
By representing multiple Medicare Supplement insurance companies, we are able to offer you access to almost any plan you choose, at a great price (even in states like Minnesota that offers plan options that are structured differently).
Medicare Supplement Insurance (Medigap) Plans - 2016
Roll over Benefits below to see further definition.
|Benefits ||A ||B ||C ||D ||F* ||G ||K ||L ||M ||N |
|Part A Hospital Coinsurance || || || || || || || || || || |
|Part B Coinsurance || || || || || || ||50% ||75% || ||*** |
|Blood - (First 3 pints) || || || || || || ||50% ||75% || || |
|Hospice Benefit || || || || || || ||50% ||75% || || |
|Skilled Nursing || || || || || || ||50% ||75% || || |
|Part A Deductible || || || || || || ||50% ||75% ||50% || |
|Part B Deductible || || || || || || || || || || |
|Part B Excess Charges || || || || || || || || || || |
|Foreign Travel Emergency || || ||80% ||80% ||80% ||80% || || ||80% ||80% |
|Out-of-Pocket Limit || || || || || || ||$4,960** ||$2,480** || || |
Call to speak with one of our Medicare supplement professionals for more information or a free rate comparison today.
* Plan F also has an option called a High-deductible Plan F. This high-deductible plan pays the same benefits as Plan F after you have paid a calendar year $2,180 deductible. Benefits from High-deductible Plan F will not begin until out-of-pocket expenses exceed $2,180. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B, but do not include the plan’s separate foreign travel emergency deductible.
** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays for 100% of covered services for the rest of the calendar year.
*** You pay $20 per office visit and up to $50 per emergency room visit. The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense.