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for Medicare Supplement information.
How to read the Medicare Supplement Comparison Chart: If a check mark appears in the column, this means that the Medicare Supplemental Plan (policy) covers 100% of the described benefit. If a column lists a percentage, this mean the Medicare Supplement policy covers that percentage of the described benefit. If no percentage appears or if the column is blank, this means the Medicare Supplement policy does not cover that benefit. Note: A Medicare Supplemental Insurance plan covers coinsurance only after you have paid the deductible, unless the Medicare Supplement plan also covers the deductible. For more information speak to one of our Medicare Supplement Insurance specialist. Their job is to help you find the right medicare supplement plan. Supplement comparison chart above outlines plans purchased after June 1st 2010. For supplement plan comparison for new or plans purchased before 6-01-2010 please contact one of our advisors for details.
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For those considering the purchase of Medicare Supplemental Insurance - Many individuals will purchased Medicare Supplemental insurance A.K.A. Medigap Plans, to fill the gaps in traditional Medicare Coverage. If you have Medicare coverage and Medigap Plans are to costly then you may consider a Medicare Advantage plan in lieu of Medicare supplemental insurance. First you need to sign up for Medicare Coverage, - Medicare enrollment - You need to be within 3 months of your Medicare Part B effective date to enroll in Medicare Advantage, and Medicare Rx insurance. Medicare supplemental Insurance may be purchased at any time with underwriting however their are Special election and Guaranteed issue times for all plans. For information on "Open Enrollment", "Guaranteed Enrollment", and other Special Election periods (There are about 35) Request a Medicare Insurance Consultation or info on Medicare plans and agent will guide you through the process.
Medicare Supplemental Insurance is offered by a number of well known organizations as well as the not so well known. Blue Cross and Blue Shield offer Medigap Coverage in most areas as well as AARP Medicare Supplement Insurance. The key; regardless whether it’s Blue Cross, Blue Shield, or AARP Supplemental Insurance or some other provider: All similar lettered plans are identical. Medicare Supplement Plan N, Medicare Supplement Plan F, or Medicare Supplement Plan C from Blue Cross, AARP, American Continental , Genworth Medicare Supplement Sentinel Life Assured Life or Woodman of the World, they all have the same insurance benefits from one provider as the other. What makes one plan more costly than another is driven by several factors including claims experience (more sick people), overhead, and other admin cost. So the plans with less stringent underwriting like AARP and many Blue Cross companies end up with more people with higher utilization rates causing higher premiums for everyone. The key for healthy people or those turning 65 who are in the Medicare supplements “Open Enrollment” period is to compare all supplemental insurance providers and find the plan with the lowest premium. Mutual of Omaha Medicare Supplement plans are competitive but there may be others in your area that are less expensive. Compare Gerber Life Medicare Supplement who has recently introduced Medicare Supplemental Insurance plans in most states. It doesn't’ really matter if you buy Mutual of Omaha Medicare Supplement, AARP Medicare Supplemental Insurance, Blue Cross Blue Shield or any other. The Senior Advisors Group represents all the names you know and trust as well as some you may not recognize and will help you compare all supplemental insurance plans in your area. Between your Medicare Benefits, and your Supplemental Insurance you will not be confined to an HMO network – Like in a Medicare Advantage plan. This is great when you need to see someone out of you area or out of your network so be careful when you compare. The first step is to review our site then request a Medicare Supplement Quote.and compare the variances from on premium to another. If you are still confused please request a quote and we will provide a free Medicare consultation. And do the comparison with you.
Compare Medicare Supplemental Insurance plans A through N
For More detailed information on Medicare go to our Medicare Center.
Medicare Supplement Comparison Chart - Modernized 2010
Medicare supplement plans are standardized by the federal government. This means that two plans with the same letter have the exact same supplemental insurance benefits as the other. I.e. one plan N equals another plan N, and so forth. This chart gives you a quick look at the Modernized Medicare Supplemental Insurance Plans "A" - "N". offered after June 1st, 2010. Every insurance company must make Medicare Supplemental Insurance Plan "A" available if they offer any Medicare Supplemental Insurance policy in that state. And, not all Medicare Supplemental Insurance plans are offered by every company - most don't offer every plan. Available as of June 2010 - Medicare Supplement Plan N and Plan M. For more information on all plans see the CMS Guide to choosing a Medigap Policy.
Coventry - Mutual of Omaha - American Continental - Genworth - Cigna - Horizon Blue Cross - Assured Life
Medicare was established to help pay basic healthcare needs for people ages 65 and over*, but it was never intended to cover all medical expenses. Over time, the cost of items not covered by Medicare has grown - to the point where it is often more than an individual can afford to pay.
To help cover your out-of-pocket medical costs, Medicare Supplement insurance policies help pay for items that Medicare may not cover, such as:
• Medicare deductibles
• Hospital and medical care co-insurance
• Extended hospital care
• Physician's services, hospital outpatient services and supplies
• Ambulance services
Additionally, with Medicare Supplement insurance plans:
• You choose your own doctors - no need to select a primary care physician
• No referrals are needed to see a specialist
• Virtually no claim forms to fill out - medicare pays your providers directly so you don't need to file claims yourself
• Coverage is guaranteed renewable for life**
| Medicare Supplement plans a.k.a. Medigap Plans Effective on or after June 1, 2010 | Medigap Plans Effective June 1, 2010 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
| Medicare Part A Coinsurance hospital costs up to an additional 365 days after Medicare benefits are used up | √ | √ | √ | √ | √ | √ | √ | √ | √ | √ |
| Medicare Part B Coinsurance or Copayment | √ | √ | √ | √ | √ | √ | 50% | 75% | √ | √ *** |
| Blood (First 3 Pints) | √ | √ | √ | √ | √ | √ | 50% | 75% | √ | √ |
| Part A Hospice Care Coinsurance or Copayment | √ | √ | √ | √ | √ | √ | 50% | 75% | √ | √ |
| Skilled Nursing Facility Care Coinsurance | √ | √ | √ | √ | 50% | 75% | √ | √ | ||
| Medicare Part A Deductible | √ | √ | √ | √ | √ | 50% | 75% | 50% | √ | |
| Medicare Part B Deductible | √ | √ | ||||||||
| Medicare Part B Excess Charges | √ | √ | ||||||||
| Foreign Travel Emergency (Up to Plan Limits) | √ | √ | √ | √ | √ | √ | ||||
| Medicare Preventive Care Part B Coinsurance | √ | √ | √ | √ | √ | √ | √ | √ | √ | √ |
| Out-of Pocket Limit** | ||||||||||
| $4,940 | $2,470 | |||||||||