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Medicare Supplement Insurance Policy

A Medicare supplement insurance policy helps pay some of the expenses not covered by Medicare. What’s more:
Your out-of-pocket health care costs are reduced
You choose your own doctors, hospitals and other health care providers
Your benefits increase along with Medicare’s deductibles and co-payments

With companies offering the same standardized insurance plans, your Medicare supplement choice comes down to price and a company’s service, reputation and experience with Medicare supplement insurance policies.

There are 12 federally standardized Medicare supplement insurance plans (Plans A-L).  Insurance companies must offer Plan A and may offer any other plans. We have a policy that helps meet your needs and budget.

Most Medicare supplement insurance policies pay these basic benefits:  
Medicare Part A hospital deductible ($1,068 in 2009), coinsurance plus coverage for 365      additional days after Medicare benefits end
Medicare Part B coinsurance (generally 20% of Medicare approved expenses)
First three pints of blood each year

Additional benefits, depending on the plan you choose, pay you for:
Medicare Part B deductible ($135 in 2009)
Medicare Part B excess charges
At-home recovery visits
Foreign travel emergency care

How to Select the Right Plan for You
As we age, our health care expenses generally increase and we see the doctor more frequently.

Ask yourself whether you could budget for any of these Medicare Part B costs and choose a Medicare supplement insurance policy according to your needs:    
Medicare Part B calendar-year deductible, $135 in 2009
At-home recovery visits for assistance for activities of daily living for your recovery from      an illness, injury or surgery
Charges for excess benefits – Your bill for Medicare Part B services and supplies may      exceed the Medicare-eligible expense, leaving you to pay the difference on your own. A      Medicare supplement policy can help you pay the difference.  
Emergency care received outside the U.S.
In most cases, benefits are paid directly to your providers.

See the Medicare supplement insurance policies available in your state.

Who needs a Medicare supplement insurance policy?
Original Medicare pays for many health care services and supplies, but it doesn’t pay all of your health care costs. You must pay these gaps in Medicare coverage, which are often deductibles, coinsurance and co-payments.
See your out-of-pocket costs.

For a monthly premium, a Medicare supplement insurance policy helps you pay all or some of these costs, depending on the policy you choose.

A Medicare supplement insurance policy is for people on Medicare who want:
Help paying for some health care costs
To keep their own doctors and hospitals and choose their specialists and other health      care providers
To budget for the premium and not worry about high out-of-pocket expenses
First-dollar coverage – don’t have to pay deductibles or co-payments every time they      see a doctor  
Their benefits to increase along with Medicare’s deductibles and co-payments
To be covered everywhere in the U.S.
Their providers to file the claims so they don’t have to hassle with paperwork
Guaranteed renewable insurance so they can keep their policy as long as they pay their      premiums on time


Medicare is health insurance offered by the federal government to people who are older than 65 and eligible. Some younger people who have disabilities, permanent kidney failure or Lou Gehrig’s disease can also qualify. Medicare helps pay for healthcare, but does not cover all medical expenses. The US Medicare system is managed by The Center for Medicare & Medicaid Services. Read these articles to determine your eligibility.

Medicare has four parts:
Medicare Part A is the original Medicare insurance coverage and it helps pay for      hospital bills.
Medicare Part B is a supplemental insurance option for people who qualify for Medicare.
Medicare Part C or, Medicare Advantage Plans (like HMOs and PPOs) are sometimes      referred to as Medicare Part C.
Medicare Part D is the newest addition to Medicare. Part D is prescription drug      coverage. You must be enrolled in Medicare before you can apply for Part D coverage.



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