ADDITIONAL RESOURCES

Learn more about Medicare Supplement policies with these links and downloads.

Click on the "Do I need it?" Checklist section to help you choose the plan that best fits your needs.

Link to the Fedaral Medicare Supplement web site.

Link to a state’s Medicare Supplement web site.

For additional information on Medicare Supplement policies, download a copy of 2006 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.

Compare and contrast the benefits of Plans A - G. See the chart below that compares the benefits available with 8 commonly purchased Medicare Supplement Plans.

Medicare Supplement Plan Suitability Grid

Helping You Select Which Plan Option Is Most Appropriate

These basic or "core benefits" are included in all Medicare Supplement Policies...and comprise Plan A: 

• Medicare Part A coinsurance amount for days 61-90 and days 91-150 of a hospital stay.
• Coverage of up to 365 more days of a hospital stay during your lifetime after you use up all Medicare hospital benefits.
• The coinsurance or co-payment amount for Medicare Part B services after you meet the $124 (for 2006) annual deductible.
• The first three pints of blood or equal amounts of packed red blood cells per calendar year, unless this blood is replaced.

Choose Plan If:

B	You want the Medicare Part A hospital deductible paid; otherwise this plan offers the same benefits as Plan A. Client will need this benefit if s/he is admitted to a hospital. Medicare Part A deductible must be paid each benefit period.
C	This plan is the same as Plan B, but covers the Part B deductible and provides co-insurance for days 21-100 in a skilled facility. It also provides coverage for emergency medical care outside of the U.S., as Medicare does not cover this. You may want to recommend this benefit if your client travels outside of the U.S.
D	This plan has basically the same coverage as Plan C, but does not pay the Part B deductible. It adds coverage for up to eight weeks of At-Home Recovery after skilled nursing care is no longer needed (up to $1600 per year).
E	This plan is identical to Plan D except a Preventive Care Benefit (up to $120 per year) is included instead of the At Home Recovery Benefit.
F	Plan F is similar to Plan C, but it also provides Medicare Part B Excess Charge coverage at 100%. You may want to consider this benefit if the doctor does not accept assignment of benefits, or if your client has to stay in the hospital and can’t control whether his/her doctors accept assignment.
F-High Deductible	Plan F is similar to Plan C, but it also provides Medicare Part B Excess Charge coverage at 100%. You may want to consider this benefit if the doctor does not accept assignment of benefits, or if your client has to stay in the hospital and can’t control whether his/her doctors accept assignment.
G	This plan is similar to Plan F except it does not cover the Part B annual deductible and the At Home Recovery Benefit is added. Also, Medicare Part B Excess Charge is paid at 80% instead of 100% for Plan F.

All plans listed above may not be available in all states. See state-specific Outline of Coverage.